BlastPoint's Banking Scorecard
Tensas State Bank
Designations: ✓ CDFI-certified
Newellton, LA
4 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 +2.4% year over year ($158.5M on the books).
- Delinquency rate 3.47%.
- Return on assets 1.34%.
- Efficiency ratio 62.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Tensas State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.15% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.55% above tier average
- - Nonperforming Asset Ratio 1.77% above tier average
- - Net Interest Margin 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.5M
+1.1% YoY
+0.5% QoQ
|
-$201.1M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$119.1M
+2.8% YoY
+7.5% QoQ
|
-$139.2M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$158.5M
+2.4% YoY
-1.7% QoQ
|
-$168.3M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.34%
+25.1% YoY
+0.1% QoQ
|
+0.02% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.82%
+6.9% YoY
+2.6% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
62.33%
-8.0% YoY
-5.7% QoQ
|
-2.15% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
3.47%
+60.5% YoY
+79.8% QoQ
|
+2.55% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.9% in tier |
| Loan-to-Deposit Ratio ? |
75.16%
+0.3% YoY
+9.4% QoQ
|
-2.79% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
21.62%
-3.6% YoY
-2.4% QoQ
|
-0.42% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
2.44%
+73.4% YoY
+72.9% QoQ
|
+1.77% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.0% in tier |
| Tier 1 Capital Ratio ? |
13.87%
-0.8% YoY
+0.5% QoQ
|
-2.04% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.28%
-4.9% YoY
+78.0% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
69% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.6%
-0.8pp YoY -0.5pp QoQ |
-0.5pp | 22.1% | 24.6% | 22.2% | 52% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.0%
-1.7pp YoY -2.1pp QoQ |
+3.4pp | 11.6% | 12.6% | 12.5% | 76% |
| CRE |
21.7%
+2.7pp YoY +1.1pp QoQ |
-17.8pp | 39.5% | 44.9% | 41.4% | 21% |
| 1-4 Family |
27.7%
-0.4pp YoY -2.0pp QoQ |
-4.9pp | 32.6% | 34.2% | 31.3% | 46% |
| Consumer |
1.8%
-0.1pp YoY -0.1pp QoQ |
-2.3pp | 4.1% | 4.2% | 5.0% | 45% |
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 |
13.9%
-0.1pp YoY +0.1pp QoQ |
+1.7pp | 12.2% | 13.4% | 12.6% | 81% |
| 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 |
25
0 YoY -2 (-7.4%) QoQ |
-34 | 58 | 114 | 482 | 19% |
| Assets per Employee ($) |
$7.4M
+1.1% YoY +8.5% QoQ |
-$99K | $7.5M | $6.8M | $8.8M | 59% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.1%
+1.2pp YoY +1.4pp QoQ |
+1.7pp | 0.3% | 0.4% | 0.4% | 97% |
| Nonaccrual |
1.4%
+0.1pp YoY +0.2pp QoQ |
+0.5pp | 0.9% | 1.4% | 1.0% | 80% |
| Allowance Coverage |
0.31x
-32.3% YoY -46.1% QoQ |
-23.85x | 24.15x | 27.36x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.4%
-0.1pp YoY +0.1pp QoQ |
+0.2pp | 0.1% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+1.6pp YoY 0.0pp QoQ |
-0.8pp | 12.2% | 12.5% | 11.6% | 46% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 71% |
| Net Income ($, YTD) |
$1.2M
+27.3% YoY — QoQ |
-$1.3M | $2.6M | $5.1M | $40.4M | 34% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.