Bank, The
Jennings, LA · Cert 34409 · Peer group: banks under $1B in assets (n=581-629) · Bancshares Inc. the
State charter, non-member · FDIC · 8 branches
Q2 2026
$462.0MAssets
$334.3MLoans
$396.3MDeposits
$58.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets (rank 27 of 629).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets (rank 475 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.70%
Rank 113 of 629
Net Interest Margin
4.97%
Rank 27 of 629
Efficiency Ratio
53.62%
Rank 106 of 629
Equity / Assets
12.61%
Rank 201 of 629
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 83% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.60% | 1.01% | 1.45% | Beats 82% | 113 / 629 | |
| Return on Equity | 13.47% | 5.38% | 9.30% | 13.28% | Beats 76% | 148 / 629 | |
| Net Interest Margin | 4.97% | 3.03% | 3.54% | 4.05% | Beats 96% | 27 / 629 | |
| Efficiency Ratio | 53.62% | 58.35% | 67.79% | 79.08% | Beats 83% | 106 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.09% | 0.46% | 1.20% | Beats 49% | 301 / 581 | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 475 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 11.24% | 13.84% | 18.77% | Beats 41% | 371 / 629 | |
| Total Risk-Based Capital Ratio | 12.76% | 11.58% | 14.43% | 19.66% | Beats 36% | 402 / 629 | |
| Equity / Assets | 12.61% | 9.09% | 10.65% | 13.80% | Beats 68% | 201 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 84.35% | 67.24% | 80.90% | 93.48% | 55th pctl | 266 / 594 | |
| Loans / Assets | 72.36% | 53.31% | 67.71% | 78.15% | 59th pctl | 258 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |