Tensas State Bank
Newellton, LA · Cert 8533 · Peer group: banks under $1B in assets (n=581-629) · 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 218 of 629).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets (rank 551 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.05%
Rank 298 of 629
Net Interest Margin
3.53%
Rank 319 of 629
Efficiency Ratio
62.33%
Rank 218 of 629
Equity / Assets
11.80%
Rank 240 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.60% | 1.01% | 1.45% | Beats 53% | 298 / 629 | | |
| Return on Equity | 8.91% | 5.38% | 9.30% | 13.28% | Beats 46% | 338 / 629 | | |
| Net Interest Margin | 3.53% | 3.03% | 3.54% | 4.05% | Beats 49% | 319 / 629 | | |
| Efficiency Ratio | 62.33% | 58.35% | 67.79% | 79.08% | Beats 66% | 218 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.43% | 0.09% | 0.46% | 1.20% | Beats 5% | 551 / 581 | | |
| Net Charge-Offs / Loans | 0.18% | n/a | 0.01% | 0.06% | Beats 9% | 528 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.87% | 11.24% | 13.84% | 18.77% | Beats 50% | 313 / 629 | | |
| Total Risk-Based Capital Ratio | 13.87% | 11.58% | 14.43% | 19.66% | Beats 45% | 346 / 629 | | |
| Equity / Assets | 11.80% | 9.09% | 10.65% | 13.80% | Beats 62% | 240 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.96% | 67.24% | 80.90% | 93.48% | 42nd pctl | 347 / 594 | | |
| Loans / Assets | 64.90% | 53.31% | 67.71% | 78.15% | 44th pctl | 354 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |