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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 $2.2MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $124.2M22%Noninterest $34.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.08%0.83%0.84%0.82%0.85%1.05%1.05%+21 bps
Return on Equity10.09%10.01%7.63%7.71%7.41%7.53%8.94%8.93%+122 bps
Net Interest Margin2.87%2.95%3.23%3.32%3.23%3.31%3.43%3.53%+21 bps
Efficiency Ratio62.96%63.17%70.32%67.75%68.76%68.10%66.09%62.33%-542 bps
Non-Interest Burden1.37%1.44%2.09%2.05%2.03%2.06%2.05%1.99%-7 bps
Growth
Asset Growth (YoY)0.64%3.59%4.05%2.81%0.97%1.51%2.65%1.07%-174 bps
Loan Growth (YoY)4.42%8.97%10.85%7.26%5.11%3.19%0.91%2.89%-438 bps
Deposit Growth (YoY)-0.44%4.15%8.45%2.21%2.30%2.19%2.90%2.44%+24 bps
Asset Quality
Nonperforming Loans / Loans2.23%2.15%2.82%2.14%2.47%1.31%1.91%3.43%+129 bps
Net Charge-Offs / Loans0.14%0.23%-0.02%0.49%0.48%0.31%0.24%0.37%-12 bps
Allowance / Loans1.16%1.16%1.16%0.97%0.94%1.13%1.08%1.05%+8 bps
Allowance Coverage of NPLs0.5x0.5x0.4x0.5x0.4x0.9x0.6x0.3x-0.1x
Capital
Tier 1 Leverage Ratio13.46%13.56%14.02%13.99%13.54%13.65%13.80%13.87%-12 bps
Total Risk-Based Capital13.46%13.56%14.02%13.99%13.54%13.65%13.80%13.87%-12 bps
Equity / Assets11.29%10.43%11.32%11.08%11.59%11.84%11.74%11.80%+72 bps
Liquidity & Funding
Loans / Deposits69.33%68.43%70.82%75.63%71.23%69.10%69.45%75.96%+33 bps
Liquid Assets / Assets2.45%2.43%1.93%1.26%4.27%5.24%4.67%0.84%-42 bps
CRE / Total Capitaln/an/an/an/a91.13%84.92%88.49%n/an/a