Simmesport State Bank
BankRegReports is independent of Simmesport State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Simmesport State Bank is an FDIC-insured commercial bank headquartered in Simmesport, LA, established in 1956 (FDIC certificate 17587), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $198.5M, down 10.6% from Q2 2025, the 74th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.28% 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
- 17587
- Headquarters
- Simmesport, LA
- Established
- 1956
- Total assets, Q2 2026
- $198.5M
- Assets vs Q2 2025
- -10.6%
- Tier 1 leverage ratio, Q2 2026
- 12.28%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 065204951
- Asset rank in state
- 74th of 102 in Louisiana
Problem loans are rising at Simmesport State Bank. Based in Simmesport, Louisiana, it had $198 million in assets at June 30, 2026, down 10.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.15% of loans from 2.38% a year earlier. It carries problem assets equal to 23.0% of the capital and reserves that would absorb them, 8.7 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 12.6% over the year, lower than about 9 in 10 banks its size (median 5.5%).
The commercial and industrial book ($16 million) is worsening: 4.99% of it is past due or on nonaccrual, up from 0.46% a year earlier. The balance sheet shrank over the year: over the year loans fell 12.6% and deposits fell 9.2%. Funding is the softer spot: it pays an average of 2.64% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Simmesport State Bank reported a return on assets of 1.70%, a nonperforming-loan ratio of 3.15% and a Texas ratio of 23.01%. The figures come from its call report filed with the FFIEC.
Simmesport State Bank ranks as the 74th 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 fell 1.5% to $198.5M, loans fell 1.3% and deposits fell 2.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.8% of total loans, followed by owner-occupied commercial real estate loans at 10.4%. The FDIC Summary of Deposits lists 2 offices for it, in Mansura, LA and Simmesport, LA; its Mansura office books 52% of its branch deposits. On its Q2 2026 call report, Simmesport State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 16495 Highway 1, Simmesport, LA 71369
- County
- Avoyelles
- 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
- May 1, 1956
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $173.0M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $531K
- Average total assets
- $200.9M
- Average total loans
- $158.1M
- Average interest-bearing deposits
- $145.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1956
- FDIC Cert
- 17587
- Fed RSSD
- 844138
- Website
- www.simmesportstatebank.net →
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, Simmesport State 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, Simmesport State Bank's total assets ran between $198.5M (Q2 2026) and $231.5M (Q3 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$198.5M total assets against $221.9M; $173.4M total liabilities against $199.2M.
$155.2M net loans and leases against $177.5M; $173.0M total deposits against $190.5M.
$1.6M securities against $2.8M; $34.0M cash and balances due against $32.9M.
$3.2M total interest income against $3.5M; $1.1M total interest expense against $1.4M.
$2.1M net interest income against $2.0M.
$455K total noninterest income against $151K; $1.5M total noninterest expense against $1.7M.
$106K provision for credit losses against $1.0M.
$852K net income against -$738K.
1.70% return on assets against -1.33%; 4.49% net interest margin against 3.94%.
12.28% tier 1 leverage ratio against 10.06%.
Inside the full Simmesport State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Simmesport State Bank rankings
Its closest position to the top of a national ranking is 119 of 3,640, for Texas Ratio; its furthest is 2,975 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.33% (Q2 2025) to 1.70% (Q2 2026) and its net interest margin ran from 3.94% (Q2 2025) to 4.49% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.28% | 1.70% | 3.15% | 23.01% | 4.49% |
| Q1 2026 | 11.83% | 1.30% | 4.01% | 28.57% | 4.40% |
| Q4 2025 | 11.13% | 0.35% | 3.99% | 29.24% | 4.22% |
| Q3 2025 | 10.61% | 1.14% | 3.21% | 25.68% | 4.21% |
| Q2 2025 | 10.06% | -1.33% | 2.38% | 22.21% | 3.94% |
| Q1 2025 | 10.35% | 1.07% | 1.98% | 15.52% | 3.99% |
| Q4 2024 | 9.80% | 0.36% | 1.57% | 12.99% | 3.96% |
| Q3 2024 | 10.05% | 1.52% | 1.78% | 13.37% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Simmesport State Bank - Mansura Branch | Mansura , LA | 71350 | $89.7M |
| Simmesport State Bank (main office) | Simmesport , LA | 71369 | $83.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 84 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
Add this badge to your website
Free to use. It shows Simmesport State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Simmesport State Bank
What are Simmesport State Bank's total assets?
As of the Q2 2026 filing, Simmesport State Bank reported total assets of $198.5 million in its FFIEC call report.
Where is Simmesport State Bank headquartered?
It is headquartered in Simmesport, LA, United States.
When was Simmesport State Bank founded?
It was established in 1956, per the FDIC institution directory.
Is Simmesport State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17587). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Simmesport State Bank?
Simmesport State Bank's primary federal regulator is the FDIC.
How many branches does Simmesport State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Simmesport State Bank's Texas Ratio?
Its Texas Ratio is 23.01% 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.
Go deeper on Simmesport State Bank.
Get an email when Simmesport State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Simmesport State Bank, freeFree account