# SIMMESPORT STATE BANK
SIMMESPORT, LA · FDIC certificate 17587 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $198.5M | |
| Deposits | $173.0M | |
| Loans and leases | $157.6M | |
| Total equity | $25.0M | |
| Loans / deposits | 89.71% (p79 of band) | 73.59% |
| Liquid assets / assets | 17.93% (p17 of band) | |
| Uninsured deposits / deposits | 11.84% (p20 of band) | 19.81% |
| Brokered deposits | 0.38% | |
| Wholesale funding | 0.38% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.28% (p56 of band) | 11.76% |
| Unrealized securities loss / equity | -0.14% (p89 of band) | -6.57% |
| AOCI / equity | 0.03% (p86 of band) | |
| ROA (annualized) | 1.50% (p68 of band) | 1.17% |
| Net interest margin | 4.48% (p76 of band) | 3.93% |
| Efficiency ratio | 56.06% (p25 of band) | |
| Noncurrent loans | 3.15% (p93 of band) | 0.36% |
| Net charge-offs (annualized) | 0.53% (p97 of band) | |
| Reserve coverage of noncurrent | 49.08% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 43.04% (p75 of band) | |
| Auto loans | $5.8M (3.70% of loans; DQ 7.85%, NCO 0.13%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.2% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 1 |  | capital falling, charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | uninsured deposits leaving |  |
| 2017-03 | 3 | noncurrent p90 | charge-offs p90 |
| 2017-06 | 3 | loans exceed deposits, charge-offs p90 | uninsured deposits leaving, noncurrent p90 |
| 2017-09 | 2 |  | loans exceed deposits |
| 2017-12 | 3 | noncurrent p90 |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | noncurrent p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 | noncurrent p90 | charge-offs p90 |
| 2020-03 | 2 |  | noncurrent p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 2 | charge-offs p90 | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | capital falling, noncurrent p90 |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 | loans exceed deposits | capital falling |
| 2023-09 | 3 |  | loans exceed deposits |
| 2023-12 | 5 | loans exceed deposits, uninsured deposits leaving |  |
| 2024-03 | 4 |  | uninsured deposits leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 | capital falling | noncurrent p90, loans exceed deposits |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 4 | losing money, noncurrent p90 |  |
| 2025-09 | 5 | deposits shrinking, assets shrinking | losing money |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 6 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [Churches of Christ Disaster Relief Effort hands out supplies to Avoyelles flood victims - KALB | News Channel 5](https://news.google.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?oc=5) · KALB | News Channel 5
- 2025-08-26 [2008 Tracker Pro Craft 200 Boat, 200 Optimax Motor, and 2008 TSTL Trailer - Louisiana Sportsman](https://news.google.com/rss/articles/CBMivAFBVV95cUxPaVBrYTF1TS0wa0VwOVZXdHE3ak96UWhVaFdvNHVDa3g5YVQxRlhzMVZnWWdSSEFZekRFRWd5WnNKZVhJSi12eG51dndmSllrMUM3MGpmcEYwdks0WENmeGIxOE5OYl9wX1VDSlE2QVJOT0RqcDlRZzluUUUzQkp1R2lmUmdaRVptdEFvR0hyUU1sWkQxMkt2NmM5WDRxTGw1a0JRdGdwNnNyZFZVMWV0ckNMQ1oyVmdUUnF6bA?oc=5) · Louisiana Sportsman
- 2026-06-18 [Photos: Tropical Storm Arthur dumps flooding rain in Avoyelles Parish - theadvocate.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNeVFxa3l4NTNDSHF1YXJ0Ym5OaVZuUG5qUjhSNVViaWlqakpDZlpBU2ZYcXBrTVdIR3JFSmlKWGJ1VFEzSDIzYlI4XzMtWGhsVlVkTnNtRHVGOXlITFJpd1Y4YzRlcFhJbWJzX283WUFTa2ZTRXZRU3NTQUhKTGNlZFV5eDloXzdzNDZMWXVjbm1NaFJFQTVPSmpTWUItMW5tSnFWWDNSMTZmVGowRlhIb1FzSGJoVFB4ZFcwV0p6Sks3RUUwdVZveTBNcEJSSXl4dGlXamoxOFlueGI1UzhPTnZfdjJubXJlU0Q0bU45UmdnM1Fjd2FXQlJR?oc=5) · theadvocate.com
- 2026-06-18 [ACA.avoyelles.adv.027.jpg - NOLA.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPT0F1Wi14QTIzZjdZTzB4VWdrWUpvSk1QRHQweTZLdFM0S0tHeVpUUkF5ajBoMFlkZ2lqLWF3elJidWFIUDhnZ2QtMUtuM1JfTnBqN2EtWTE4UWhOZEdFdkRJYkRkNmlaWjhjdDhEekZmRnlud3BWU3VJS3YwZDlSTEI2VWdDeGRkMmlMOE9fZHJEaEhpd0pQb0hB?oc=5) · NOLA.com
- 2024-02-26 [Hovde Group Adds to Equity Research and Institutional Sales Platforms with Industry Veterans Brendan Nosal and Ashley Griffith - Business Wire](https://news.google.com/rss/articles/CBMikAJBVV95cUxOMWhobU1SaWQ0MTFpTEVrRmdjZjZtMXBsbnZRNzlHOTVNaFB0UnloUzZrVFRacEpnWXdiYVF3VnU3LURkdFVxakh6VVBNR0lwbEQ4TWw1akRidWVuc1ppbGREaUY2WkJqNWg1WnJZaVJGRFpXSGNObThlZVdPa3B6OUxINjRZY1dpRE5OYWlpZkl3T0tsLWd3SEpkNEIzQ1NfR1Q2X01BeFA4ajlPMXFRM0VyYXYtRjhXT0tSTjZzaVl3Q0F0TGt2LXpGOTRaVE9kZ1F3Um1mbGJXdXhUa0ZEZzZmbmdlLTlXdkF6YjBzdWNGVVBId29tcmJGRTNyRnVTSjI3QWFGU2FxNWhiMV9OVg?oc=5) · Business Wire
- 2023-08-16 [Paul Lambert Obituary (2010) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQXzhzc2J4WTNpT09zZUpKQy1GdWRjdnluVGhLN0RyQmp5cjBLcGpIZlREeklBaEtWZ0w1OE85cW9TVWxDT25VMEIxUnUwSUlGcGtBX015M3F5ZGxRa2pxTVRRSnk2S0hqVGFRVFBkZk1QOXdUWmVBS3pnYlhEdnI5S3QxNmE2ajhWZFVOZnNWS08?oc=5) · legacy.com
- 2026-03-06 [Who Bought, Who Sued, Who said "I Do".....👀 - Avoyelles Today](https://news.google.com/rss/articles/CBMic0FVX3lxTE50UnpfajU5N2M1bXREWjZVNVA5RmFqdk04c1VBM184NU5nTXE4TGJia2xoZXhiNXVXRHcxYTZSMkVkNlRlN1dXaDhMd3hLUkhFODluM2FIVlp3SDd2Q3BLOWxtSzZWb2tvOTVJdFE0RnN2Y1U?oc=5) · Avoyelles Today
- 2024-01-03 [Marksville woman sentenced to federal prison for defrauding Rapides Parish Council on Aging - KALB | News Channel 5](https://news.google.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?oc=5) · KALB | News Channel 5

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17587 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "17587", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide