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Tensas State Bank

Newellton, LA · Cert 8533 · Tensas Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tensas State Bank

Newellton, LA · Cert 8533 · Tensas Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$185.5MAssets
$120.4MLoans
$158.5MDeposits
$21.9MEquity
Loan mix
76%RE $68.7M21%C&I $18.9M2%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $124.2M22%Noninterest $34.3MQ2 2025Q2 2026

NIM

5.16%Q2 ’245.46%Q2 ’255.39%Q2 ’26+15%+6%

Non-interest income vs. expense

2.55%Q2 ’242.66%Q2 ’252.55%Q2 ’26+85%-3%

Executive Summary

  • Earnings: ROA of 1.05%, up 21 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 3.43% of loans (+129 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 13.87%, down 12 bps from a year ago.
  • Funding: loans stand at 75.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+21 bps YoY

Efficiency Ratio (YTD, annualized)

62.33%-542 bps YoY

Tier 1 Leverage Ratio

13.87%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.82%0.85%1.05%1.05%+21 bps
Return on Equity7.71%7.41%7.53%8.94%8.93%+122 bps
Net Interest Margin3.32%3.23%3.31%3.43%3.53%+21 bps
Efficiency Ratio67.75%68.76%68.10%66.09%62.33%-542 bps
Non-Interest Burden2.05%2.03%2.06%2.05%1.99%-7 bps
Growth
Asset Growth (YoY)2.81%0.97%1.51%2.65%1.07%-174 bps
Loan Growth (YoY)7.26%5.11%3.19%0.91%2.89%-438 bps
Deposit Growth (YoY)2.21%2.30%2.19%2.90%2.44%+24 bps
Asset Quality
Nonperforming Loans / Loans2.14%2.47%1.31%1.91%3.43%+129 bps
Net Charge-Offs / Loans0.49%0.48%0.31%0.24%0.37%-12 bps
Allowance / Loans0.97%0.94%1.13%1.08%1.05%+8 bps
Allowance Coverage of NPLs0.5x0.4x0.9x0.6x0.3x-0.1x
Capital
Tier 1 Leverage Ratio13.99%13.54%13.65%13.80%13.87%-12 bps
Total Risk-Based Capital13.99%13.54%13.65%13.80%13.87%-12 bps
Equity / Assets11.08%11.59%11.84%11.74%11.80%+72 bps
Liquidity & Funding
Loans / Deposits75.63%71.23%69.10%69.45%75.96%+33 bps
Liquid Assets / Assets1.26%4.27%5.24%4.67%0.84%-42 bps
CRE / Total Capitaln/a91.13%84.92%88.49%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tensas State Bank

Newellton, LA · Cert 8533 · Peer group: banks under $1B in assets (n=570-617) · Tensas Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$185.5MAssets
$120.4MLoans
$158.5MDeposits
$21.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 65% of banks under $1B in assets (rank 218 of 617).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets (rank 540 of 570).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 293 of 617

Net Interest Margin

3.53%

Rank 316 of 617

Efficiency Ratio

62.33%

Rank 218 of 617

Equity / Assets

11.80%

Rank 230 of 617

Non-interest income vs. expense

$1.1M$4.8MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 65% of banks under $1B in assets
Bank 62.33%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.60%1.01%1.45%Beats 53%293 / 617
Return on Equity8.91%5.30%9.43%13.30%Beats 46%336 / 617
Net Interest Margin3.53%3.04%3.54%4.05%Beats 49%316 / 617
Efficiency Ratio62.33%58.03%67.76%79.08%Beats 65%218 / 617
Asset Quality
Nonperforming Loans / Loans3.43%0.09%0.47%1.27%Beats 5%540 / 570
Net Charge-Offs / Loans0.18%n/a0.01%0.06%Beats 9%520 / 570
Capital
Tier 1 Capital Ratio13.87%11.18%13.83%18.55%Beats 50%306 / 617
Total Risk-Based Capital Ratio13.87%11.56%14.39%19.39%Beats 46%336 / 617
Equity / Assets11.80%9.03%10.55%13.63%Beats 63%230 / 617
Liquidity & Funding
Loans / Deposits75.96%64.77%79.70%93.06%43rd pctl331 / 582
Loans / Assets64.90%51.70%67.18%77.51%45th pctl338 / 617
Brokered Deposits / Depositsn/aNot reported for this institution