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Simmesport State Bank

$100M-$1B Specialty: Other LA FDIC cert 17587

Designations: ✓ CDFI-certified

Simmesport, LA

2 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits -9.2% year over year ($173.0M on the books).
  • Delinquency rate 3.20%.
  • Return on assets 1.50%.
  • Efficiency ratio 56.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Simmesport State Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.18% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + Efficiency Ratio 8.41% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 11.2% in tier
  • - Deposit Outflow: Bottom 31.4% in tier
  • - Delinquency Rate 2.28% above tier average
  • - Nonperforming Asset Ratio 2.52% above tier average
Get updates when Simmesport State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $198.5M
-10.6% YoY -1.5% QoQ
-$188.1M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $155.2M
-12.6% YoY -1.2% QoQ
-$103.2M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $173.0M
-9.2% YoY -2.2% QoQ
-$153.8M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 1.50%
+16.1% QoQ
+0.18% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.48%
+11.7% YoY +1.5% QoQ
+0.49% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 56.06%
-18.4% YoY +3.4% QoQ
-8.41% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 3.20%
+32.6% YoY -21.5% QoQ
+2.28% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 5.7% in tier
Loan-to-Deposit Ratio ? 89.71%
-3.7% YoY +1.0% QoQ
+11.76% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 14.22%
+9.2% YoY +0.2% QoQ
-7.81% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 3.19%
+24.8% YoY -16.2% QoQ
+2.52% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 2.8% in tier
Tier 1 Capital Ratio ? 12.28%
+22.1% YoY +3.8% QoQ
-3.63% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.32%
+110.5% YoY +251.3% QoQ
-0.24% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 14.2%
+1.2pp YoY
0.0pp QoQ
 -7.9pp 22.1% 24.6% 22.2% 21%
Brokered Deposits 0.4%
0.0pp YoY
0.0pp QoQ
 -7.4pp 7.9% 6.7% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 10.2%
-1.2pp YoY
-0.4pp QoQ
 -1.4pp 11.6% 12.6% 12.5% 54%
CRE n/a n/a 39.5% 44.9% 41.4% n/a
1-4 Family 50.6%
+2.3pp YoY
-0.5pp QoQ
 +18.0pp 32.6% 34.2% 31.3% 83%
Consumer 12.8%
-1.6pp YoY
-1.0pp QoQ
 +8.7pp 4.1% 4.2% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 12.3%
+2.2pp YoY
+0.4pp QoQ
 +0.1pp 12.2% 13.4% 12.6% 68%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 34
+7 (+25.9%) YoY
+8 (+30.8%) QoQ
 -25 58 114 482 33%
Assets per Employee ($) $5.8M
-29.0% YoY
-24.7% QoQ
 -$1.7M $7.5M $6.8M $8.8M 30%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.2% -0.1pp 0.3% 0.4% 0.4% 65%
Nonaccrual 3.0%
+0.6pp YoY
-1.1pp QoQ
 +2.1pp 0.9% 1.4% 1.0% 94%
Allowance Coverage 0.49x
-24.5% YoY
+19.4% QoQ
 -23.66x 24.15x 27.36x 20.23x 10%
Net Charge-off Rate (YTD) 0.7%
+0.2pp YoY
+0.1pp QoQ
 +0.5pp 0.1% 0.1% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 12.4%
+13.6pp YoY
+1.5pp QoQ
 +0.2pp 12.2% 12.5% 11.6% 52%
Cost of Funds (YTD) 2.4%
-0.4pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.7% 1.7% 88%
Net Income ($, YTD) $1.5M
+1179.9% YoY
— QoQ
 -$1.1M $2.6M $5.1M $40.4M 42%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Constraint

risk
#13 of 107 • Bottom 11.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 89.71%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.28%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#169 of 535 • Bottom 31.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

557
Net Interest Margin
profitability
Value: 4.48%
Peer Median: 3.99%
#557 of 2643 Top 21.0% in $100M-$1B
646
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#646 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (3 metrics)

2569
Nonperforming Asset Ratio
credit_quality
Value: 3.19%
Peer Median: 0.67%
#2569 of 2643 Bottom 2.8% in $100M-$1B
2485
Delinquency Rate
credit_quality
Value: 3.20%
Peer Median: 0.92%
#2485 of 2633 Bottom 5.7% in $100M-$1B
2080
Non-Interest-Bearing Deposit Share
funding
Value: 14.22%
Peer Median: 22.03%
#2080 of 2643 Bottom 21.3% in $100M-$1B
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