TellerScore

The Bank (FDIC certificate #34409) is based in Jennings, Louisiana. Its Q2 2026 call report shows $462.0M in total assets and $396.3M in deposits and 8 offices.

Based on its Q2 2026 filing, The Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 9th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is funding & liquidity (75/100; 83% loans-to-deposits, 17% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.76%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.48%
Earnings90/100
Return on assets (annualized): 1.75%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 82.8% · 17.4% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (77 → 83), mostly because the loan quality component improved by 10 points.

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202479
Q1 202578
Q2 202577
Q3 202580
Q4 202582
Q1 202683
Q2 202683
Tier 1 leverage ratio
5.00%9.04%13.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.77%
Q3 202412.17%
Q4 202412.47%
Q1 202512.48%
Q2 202512.24%
Q3 202512.66%
Q4 202512.98%
Q1 202613.08%
Q2 202612.76%
Noncurrent loans
0.48%0.63%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.51%
Q3 20240.55%
Q4 20240.68%
Q1 20250.62%
Q2 20250.79%
Q3 20250.50%
Q4 20250.48%
Q1 20260.62%
Q2 20260.48%
Return on assets
1.50%1.66%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.66%
Q4 20241.72%
Q1 20251.50%
Q2 20251.59%
Q3 20251.59%
Q4 20251.62%
Q1 20261.83%
Q2 20261.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$462.0M12.76%0.48%1.75%82.8%
Q1 202683$451.4M13.08%0.62%1.83%83.9%
Q4 202582$428.7M12.98%0.48%1.62%89.2%
Q3 202580$434.9M12.66%0.50%1.59%88.8%
Q2 202577$437.3M12.24%0.79%1.59%86.5%
Q1 202578$439.1M12.48%0.62%1.50%85.4%
Q4 202479$420.1M12.47%0.68%1.72%88.4%
Q3 202479$418.7M12.17%0.55%1.66%89.2%
Q2 202478$417.7M11.77%0.51%1.61%88.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.76%
73rd
Total risk-based capital0.00%
24th
Problem loans0.48%
46th
Net charge-offs0.15%
15th
Return on assets1.75%
78th
Net interest margin5.43%
97th
Efficiency ratio53.6%
75th
Loans to deposits82.8%
43rd
Uninsured deposits17.4%
73rd
Loan-loss reserves1.78%
90th
Texas ratio3.5%
45th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Guaranty Bank & Trust Company of Delhi, LouisianaBank Delhi, LA56 out of 100, Moderate$457.4M8.5%1.29%vs
Louisiana National BankBank Ruston, LA63 out of 100, Moderate$474.0M10.5%1.41%vs
Citizens Bank & Trust CompanyBank Plaquemine, LA68 out of 100, Moderate$480.8M11.9%0.82%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs
First National Bank in DeRidderBank Deridder, LA70 out of 100, Strong$419.0M9.8%0.57%vs
Bank of ZacharyBank Zachary, LA76 out of 100, Strong$416.0M11.9%0.07%vs

Deposit insurance

Is my money safe at The Bank?

Yes. The Bank is an FDIC-insured institution (FDIC certificate #34409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.4% of deposits ($69.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

The Bank lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Bank reported 183 home-loan applications under HMDA (LEI 549300M4E3MK3F5GQW40): 174 originated ($30,550,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Bank
Type
State-chartered bank
FDIC certificate #
34409
RSSD ID
2505460
Primary regulator
FDIC
Holding company
Bancshares Inc the
Established
February 26, 1997
Headquarters
1304 N Cutting Ave, Jennings, LA 70546
Employees
81

Quick answers

The Bank: common questions

Is The Bank FDIC insured?

Yes. The Bank is an FDIC-insured institution (FDIC certificate #34409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Bank ever failed?

There is no failure record for FDIC certificate #34409 in the FDIC failed bank list.

How many branches does The Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jennings

InstitutionScoreAssetsCapitalProblem loansCompare
Currency BankBank Baton Rouge, LA86 out of 100, Very strong$248.5M13.4%0.14%vs
Rayne State Bank & Trust CompanyBank Rayne, LA79 out of 100, Strong$540.5M11.6%0.44%vs
First National Bank of LouisianaBank Crowley, LA78 out of 100, Strong$631.1M11.0%0.00%vs
The Evangeline Bank and Trust CompanyBank Ville Platte, LA77 out of 100, Strong$1.1B14.2%1.24%vs
JD BankBank Jennings, LA76 out of 100, Strong$1.3B11.9%0.40%vs
United Mississippi BankBank Natchez, MS75 out of 100, Strong$560.7M11.0%0.19%vs