The Bank (Jennings, LA)
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Data as of · sourced from FFIEC call reports. How we update
The Bank is an FDIC-insured commercial bank headquartered in Jennings, LA, established in 1997 (FDIC certificate 34409), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $462.0M, up 5.6% from Q2 2025, the 44th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34409
- Headquarters
- Jennings, LA
- Established
- 1997
- Total assets, Q2 2026
- $462.0M
- Assets vs Q2 2025
- +5.6%
- Tier 1 leverage ratio, Q2 2026
- 12.76%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 065203648
- Holding company
- BANCSHARES, INC., THE
- Asset rank in state
- 44th of 102 in Louisiana
The Bank earns an unusually wide margin on its lending. Its balance sheet stood at $462 million at June 30, 2026, up 5.6% from a year earlier; it is based in Jennings, Louisiana. It keeps 5.31 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also spends about 52 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.48% of loans, down from 0.79% a year earlier. Deposits are coming in faster than loans: over the year loans rose 2.8% and deposits rose 7.2%.
As of June 30, 2026, The Bank reported a return on assets of 1.66%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 3.46%. The figures come from its call report filed with the FFIEC.
The Bank ranks as the 44th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.3% to $462.0M, loans rose 1.6% and deposits rose 2.6%. 1-4 family residential loans made up 35.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 14.3%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in LA; its Jennings 2 offices book 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1304 N Cutting Ave, Jennings, LA 70546
- County
- Jefferson Davis
- Metro Area
- Lake Charles, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 26, 1997
- Former names
- The Bank (2006)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $396.3M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $251K
- Average total assets
- $461.2M
- Average total loans
- $331.0M
- Average interest-bearing deposits
- $289.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 26, 1997
- FDIC Cert
- 34409
- Fed RSSD
- 2505460
- Website
- www.thebank.bank →
- Parent Holding Company
- BANCSHARES, INC., THE (RSSD 2504874)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank's total assets ran between $417.7M (Q2 2024) and $462.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$462.0M total assets against $437.3M; $403.7M total liabilities against $383.3M.
$328.3M net loans and leases against $320.0M; $396.3M total deposits against $369.8M.
$73.3M securities against $61.2M; $42.9M cash and balances due against $39.0M.
$7.9M total interest income against $7.5M; $2.0M total interest expense against $2.2M.
$5.9M net interest income against $5.3M.
$736K total noninterest income against $697K; $3.4M total noninterest expense against $3.3M.
$790K provision for credit losses against $386K.
$1.9M net income against $1.8M.
1.66% return on assets against 1.65%; 5.31% net interest margin against 4.98%.
12.76% tier 1 leverage ratio against 12.24%.
Inside the full The Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank rankings
Its closest position to the top of a national ranking is 902 of 3,606, for efficiency ratio; its furthest is 1,728 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.51% (Q1 2025) to 1.91% (Q4 2024) and its net interest margin ran from 4.90% (Q1 2025) to 5.31% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.76% | 1.66% | 0.48% | 3.46% | 5.31% |
| Q1 2026 | 13.08% | 1.82% | 0.62% | 4.56% | 5.31% |
| Q4 2025 | 12.98% | 1.70% | 0.48% | 3.54% | 5.28% |
| Q3 2025 | 12.66% | 1.57% | 0.50% | 3.49% | 5.27% |
| Q2 2025 | 12.24% | 1.65% | 0.79% | 4.68% | 4.98% |
| Q1 2025 | 12.48% | 1.51% | 0.62% | 3.81% | 4.90% |
| Q4 2024 | 12.47% | 1.91% | 0.68% | 4.27% | 4.96% |
| Q3 2024 | 12.17% | 1.74% | 0.55% | 3.12% | 4.93% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank | Jennings , LA | 70546 | $158.1M |
| Iowa Office | Iowa , LA | 70647 | $64.5M |
| Welsh Branch | Welsh , LA | 70591 | $49.7M |
| Rayne Branch | Rayne , LA | 70578 | $38.1M |
| Iota Branch | Iota , LA | 70543 | $31.7M |
| The Bank Crowley Office Branch | Crowley , LA | 70526 | $29.7M |
| Lake Arthur Branch | Lake Arthur , LA | 70549 | $24.4M |
| Jennings Motor Branch | Jennings , LA | 70546 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 52 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank
What are The Bank's total assets?
As of the Q2 2026 filing, The Bank reported total assets of $462.0 million in its FFIEC call report.
Where is The Bank headquartered?
It is headquartered in Jennings, LA, United States.
When was The Bank founded?
It was established in 1997, per the FDIC institution directory.
Is The Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank?
The Bank's primary federal regulator is the FDIC.
How many branches does The Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank's Texas Ratio?
Its Texas Ratio is 3.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank previously called?
The charter now named The Bank has also operated as The Bank (2006), per FDIC structure-change records.
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