| 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
| 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 | 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% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | Simmesport State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $173.0M branch deposits. Biggest market: Avoyelles, LA, ranked 2nd with 20.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Avoyelles, LA | 2 | $173.0M | 20.27% | 2nd |
Louisiana: 107th with 0.11% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Simmesport State Bank is in an open deal as the target: Fleur Capital Corporation to become a bank holding company by acquiring Simmesport State Bank to form a holding company over Simmesport State Bank (pending, filed Jun 13, 2026). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jun 13, 2026 | Target | Fleur Capital Corporation to become a bank holding company by acquiring Simmesport State Bank | New holding company | Pending | Federal Reserve |
| Jan 21, 2026 | Target | Fleur Capital Corporation | New holding company | Completed | Federal Reserve |
Technology spend up 33% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).