Tensas State Bank
Newellton, LA · Cert 8533 · Peer group: banks under $1B in assets (n=573-620) · 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 66% of banks under $1B in assets (rank 212 of 620).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets (rank 543 of 573).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.05%
Rank 288 of 620
Net Interest Margin
3.53%
Rank 310 of 620
Efficiency Ratio
62.33%
Rank 212 of 620
Equity / Assets
11.80%
Rank 230 of 620
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 66% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.60% | 1.00% | 1.45% | Beats 54% | 288 / 620 | |
| Return on Equity | 8.91% | 5.30% | 9.30% | 13.29% | Beats 46% | 332 / 620 | |
| Net Interest Margin | 3.53% | 3.02% | 3.53% | 4.04% | Beats 50% | 310 / 620 | |
| Efficiency Ratio | 62.33% | 58.35% | 68.08% | 79.37% | Beats 66% | 212 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.43% | 0.09% | 0.47% | 1.27% | Beats 5% | 543 / 573 | |
| Net Charge-Offs / Loans | 0.18% | n/a | 0.01% | 0.06% | Beats 9% | 521 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 13.87% | 11.27% | 13.87% | 18.78% | Beats 50% | 310 / 620 | |
| Total Risk-Based Capital Ratio | 13.87% | 11.69% | 14.57% | 19.67% | Beats 45% | 341 / 620 | |
| Equity / Assets | 11.80% | 9.03% | 10.60% | 13.73% | Beats 63% | 230 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 75.96% | 65.08% | 79.69% | 92.47% | 43rd pctl | 332 / 585 | |
| Loans / Assets | 64.90% | 51.85% | 67.17% | 77.86% | 45th pctl | 339 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |