SIMMESPORT STATE BANK

SIMMESPORT, LA | Small | Est. May 1, 1956, midnight | FDIC #17587 | RSSD #844138 | FDIC
Latest Report: 2025-12-31

SIMMESPORT STATE BANK is asn small FDIC-insured commercial bank headquartered in SIMMESPORT, LA, established in May 1, 1956, midnight. As of 2025-12-31, the bank reported total assets of $200M and total deposits of $176M. Profitability stands at 0.35% ROA and 3.09% ROE, with a net interest margin of 4.33%. The bank's CET1 capital ratio is 11.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.99% and a Texas Ratio of 29.24%. FDIC Certificate #17587.

Assets

$200M

Deposits

$176M

Loans

$162M

Equity

$24M

Profitability

Return on Assets (ROA) 0.35%
Return on Equity (ROE) 3.09%
Net Interest Margin (NIM) 4.33%
Yield on Assets 6.91%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 3.99%
Net Charge-Off Ratio 0.99%
Texas Ratio 29.24%
NPA Ratio 3.82%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 11.76%
Tier 1 Capital 11.76%
Total Capital Ratio 12.35%
Leverage Ratio 11.13%
Loan-to-Deposit 92.31%

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