BlastPoint's Banking Scorecard
Tensas State Bank
Designations: ✓ CDFI-certified
Newellton, LA
4 branches across LA
Tensas State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.21% below tier average
- - Efficiency Ratio 0.80% above tier average
- - Delinquency Rate 1.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$184.5M
+2.6% YoY
-0.4% QoQ
|
-$201.5M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$110.8M
+1.0% YoY
+0.9% QoQ
|
-$144.9M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$161.3M
+2.9% YoY
+0.3% QoQ
|
-$166.7M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.34%
+27.3% YoY
+24.9% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.72%
+7.0% YoY
+2.1% QoQ
|
-0.21% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
66.09%
-6.0% YoY
-3.0% QoQ
|
+0.80% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
1.93%
-32.3% YoY
+45.8% QoQ
|
+1.04% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.3% in tier |
| Loan-to-Deposit Ratio ? |
68.70%
-1.9% YoY
+0.6% QoQ
|
-7.94% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
22.14%
-26.4% YoY
-9.8% QoQ
|
+0.12% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.41%
-22.7% YoY
+41.6% QoQ
|
+0.77% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.0% in tier |
| Tier 1 Capital Ratio ? |
13.80%
-1.5% YoY
+1.1% QoQ
|
-2.03% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.16%
+4.2% YoY
-73.2% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
77% |
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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.