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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

5.36%Q2 ’245.56%Q2 ’255.48%Q2 ’26+18%+6%

Non-interest income vs. expense

2.59%Q2 ’242.63%Q2 ’252.42%Q2 ’26+4%-5%

Executive Summary

  • Earnings: ROA of 1.06%, up 19 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 3.43% of loans (+129 bps YoY), with net charge-offs at 0.51%.
  • 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 (quarter, annualized)

1.06%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.63%+20 bps YoY

Efficiency Ratio (quarter, annualized)

58.63%-669 bps YoY

Tier 1 Leverage Ratio

13.87%-12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.78%0.91%1.05%1.06%+19 bps
Return on Equity7.71%6.90%7.75%8.94%8.97%+125 bps
Net Interest Margin3.43%3.28%3.53%3.43%3.63%+20 bps
Efficiency Ratio65.32%70.75%66.25%66.09%58.63%-669 bps
Non-Interest Burden2.03%2.14%2.14%2.05%1.92%-11 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 / Loans1.00%0.45%-0.24%0.24%0.51%-49 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