Simmesport State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 11.04 percentage points in Q2 2026, from 40.90% to 51.94%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Simmesport State Bank is 28th of 103 on return on assets, 1.70% as of Q2 2026, above the middle of the field. Simmesport State Bank reported 1.70% on return on assets for Q2 2026, 0.44 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.28% |
| Equity capital to assets | 12.62% |
| Tangible equity to tangible assets | 12.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.98% |
| Non-performing assets ratio | 3.05% |
| Net charge-off ratio | 0.75% |
| Texas ratio | 23.13% |
| Allowance for credit losses to loans | 1.55% |
| Reserve coverage of non-performing loans | 51.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.70% |
| Return on equity | 13.85% |
| Net interest margin | 4.49% |
| Efficiency ratio | 57.68% |
| Yield on earning assets | 6.88% |
| Cost of funds | 2.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.12% |
| Core deposits to total deposits | 83.58% |
| Brokered deposits to total deposits | 0.43% |
| Deposits to assets | 87.13% |
| Securities to assets | 0.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.61% | 14.61% | 15.86% | 9.82% | 2.06% |
| Q4 2023 | 13.61% | 13.61% | 14.87% | 9.94% | 1.16% |
| Q1 2024 | — | — | — | 10.31% | 1.59% |
| Q2 2024 | — | — | — | 10.20% | 1.67% |
| Q3 2024 | — | — | — | 10.05% | 1.52% |
| Q4 2024 | — | — | — | 9.80% | 0.36% |
| Q1 2025 | — | — | — | 10.35% | 1.07% |
| Q2 2025 | — | — | — | 10.06% | -1.33% |
| Q3 2025 | — | — | — | 10.61% | 1.14% |
| Q4 2025 | — | — | — | 11.13% | 0.35% |
| Q1 2026 | — | — | — | 11.83% | 1.30% |
| Q2 2026 | — | — | — | 12.28% | 1.70% |
Simmesport State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Simmesport State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Simmesport State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17587) · FFIEC NIC profile (RSSD 844138)