Simmesport State Bank
Total assets
$198.5M
▼ -10.6% YoY
Deposits
$173.0M
▼ -9.2% YoY
Loans
$155.2M
▼ -12.6% YoY
Offices
2
ROA (annualized)
1.50%
peers 1.24%
ROE (annualized)
12.38%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Simmesport State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.6% | +4.4% | -14.9 pts |
| Deposit growth (YoY) | -9.2% | +4.0% | -13.2 pts |
| Loan growth (YoY) | -12.6% | +5.6% | -18.2 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 12.4% | 11.9% | +0.5 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
Profile
- Established
- 1956
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- All Other Under 1 Billion
- Address
- 16495 Highway 1, Simmesport, LA, 71369
- County
- Avoyelles
- Offices
- 2
- FDIC cert #
- 17587
- RSSD ID
- 844138
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $198.5M | $173.0M | $155.2M | $25.0M | $1.5M | 1.50% | 4.48% | 3.19% |
| Q1 2026 | $201.6M | $176.8M | $157.0M | $24.2M | $649K | 1.29% | 4.41% | 3.80% |
| Q4 2025 | $200.0M | $175.9M | $159.8M | $23.5M | $651K | 0.30% | 4.14% | 3.82% |
| Q3 2025 | $208.8M | $181.7M | $167.6M | $23.3M | $470K | 0.29% | 4.10% | 3.22% |
| Q2 2025 | $221.9M | $190.5M | $177.5M | $22.7M | $-139K | -0.12% | 4.01% | 2.55% |
| Q1 2025 | $222.2M | $190.1M | $181.3M | $23.4M | $599K | 1.07% | 4.05% | 1.78% |
| Q4 2024 | $225.2M | $187.8M | $183.2M | $22.8M | $2.8M | 1.28% | 4.11% | 1.43% |
| Q3 2024 | $231.5M | $191.5M | $183.2M | $23.1M | $2.6M | 1.59% | 4.11% | 1.45% |
Loan mix (Q2 2026): real estate $114.9M · commercial $15.8M · consumer $19.9M · securities $1.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Simmesport State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.96% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 62.9% | 29th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Simmesport State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Simmesport State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Simmesport State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Simmesport State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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