# TENSAS STATE BANK
NEWELLTON, LA · FDIC certificate 8533 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $185.5M | |
| Deposits | $158.5M | |
| Loans and leases | $120.4M | |
| Total equity | $21.9M | |
| Loans / deposits | 75.16% (p53 of band) | 73.59% |
| Liquid assets / assets | 30.44% (p45 of band) | |
| Uninsured deposits / deposits | 24.96% (p68 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.89% (p59 of band) | |
| FHLB advances / assets | 1.89% | |
| Tier 1 leverage | 13.87% (p70 of band) | 11.76% |
| Unrealized securities loss / equity | -18.28% (p25 of band) | -6.57% |
| AOCI / equity | -1.66% (p16 of band) | |
| ROA (annualized) | 1.34% (p60 of band) | 1.17% |
| Net interest margin | 3.82% (p45 of band) | 3.93% |
| Efficiency ratio | 62.33% (p41 of band) | |
| Noncurrent loans | 3.43% (p94 of band) | 0.36% |
| Net charge-offs (annualized) | 0.24% (p93 of band) | |
| Reserve coverage of noncurrent | 30.66% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 7.19% (p33 of band) | |
| Auto loans | $663,000 (0.55% of loans; DQ 1.81%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | capital falling, noncurrent p90 |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 2 |  | charge-offs p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | capital falling | charge-offs p90 |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 4 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 3 | charge-offs p90 |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity | noncurrent p90 |
| 2022-12 | 2 |  | reserve under noncurrent |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | securities losses >30% of equity, charge-offs p90, reserve under noncurrent |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | noncurrent p90 | securities losses >30% of equity |
| 2024-03 | 4 | uninsured deposits leaving |  |
| 2024-06 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2024-09 | 3 | capital falling, noncurrent p90 | charge-offs p90 |
| 2024-12 | 3 | securities losses >30% of equity | capital falling |
| 2025-03 | 2 |  | securities losses >30% of equity |
| 2025-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2025-09 | 4 | capital falling, noncurrent p90 |  |
| 2025-12 | 1 |  | charge-offs p90, capital falling, noncurrent p90 |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 3 | noncurrent p90 |  |

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

- 2013-08-14 [Man in fatal La. bank hostage standoff had mental issues - CBS News](https://news.google.com/rss/articles/CBMijgFBVV95cUxPdE1CeDlPbHI3MEJJN2tHOGNOYzRVRzJHdWRJeEYtRnlRUXNHRlFCVjJRR0xHclgtZGw3MHp0NTliZEd1UnZoUnp4eEgzdWU0eGxPRDdWdmc4RnZ2azVpUzNtYlZsU3JjV2NLTEhGQndRN2RhTFRYSkxmUThtYVlISnJQTm83LXp1ZW5uTk5n?oc=5) · CBS News
- 2013-08-14 [SWAT team storms Louisiana bank, kills gunman who fatally shot hostage - NBC News](https://news.google.com/rss/articles/CBMiswFBVV95cUxOcktwOVlKZDF4bXJJRjNNN0JBN3Q5aERfMzRRNXVDQlR3dmNzZGppOG9IdnlGSlhmTnpHWkJtbzlSRmozT0FXU09ZR0dWbGZ5OUdJYlhkWW9nQnN6TU01ckFTOWdjcHBydFkteXlWcUlPZk1lZ3hZaE5rQ0lOV2k5ajFpSW4weU91Y0lOZC03dTZ5cFNDcmFKdU02NmdqN1hfaVZ0aXNxcUVMdFVpRXctblFNcw?oc=5) · NBC News
- 2013-08-14 [Police kill La. bank hostage taker; 1 hostage dies - cbs8.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNbld5UlhndFEtUTdUQlM4NGJKTm9laDVUaV9qNDVxMkV4LVNlTUJxMWdLdkd3a3FqNDhNdklMemp1NkhGLTk3ckdZa3VENzlQbjlRTTJOd3VlOEg1cndRQjFKVXFqTV8wQ1RmYXQ2NlFMVi0yLUtSeTYyS3puTHJkT2lpOVNXcHRPSThFbThMZ0ItMzhUQWFocUlfYTkwRHROSkRIbGpjT1ZvUDB2VHBjOXdwc1lKMDVqc3ZZ?oc=5) · cbs8.com
- 2013-08-15 [Second hostage shot in north Louisiana bank standoff has died - fox8live.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaGdOU3lVNlFBRUNfT3JVUy01UTRKS2xVNUpuVERpbEYwTUROLUFGVDE3VDBsUHhpZVR6MjhOUExMT2xzZUNiaUZRaFJEdHNBaU1iWC1NMjFuMFNwMzdpbGJqdFI5TDdwZlphY1FMdmhHMk1JakxOSUVHZXhyUjFXdndPWDRHZWZfRmxwUUo0LTFZZjjSAaYBQVVfeXFMTkoxaDkzNWpyOW0yRlJZRHZybUdRRm5uUzNuaWlUMmlLZDd2U3AzWGdRSGRBNkNTQ29KdndDTlp5aW81U3VPSEd6VjlBUUV6WTAyMUdqN01ZaGw3WlVKZEZZWmR5a2RqZ3NHTjVNRE1BQUphbUprTWRMMW1jMkxkQ1hBM1FHempBWEJHVW52ZjkwRXo0MW5zdHhKa3NUMGRPMXNsQWp1QQ?oc=5) · fox8live.com
- 2013-08-15 [2nd hostage shot in La. bank standoff dies - USA Today](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZ2NxQl9hekVDYUlGd3dHV2toQzdWQlR6cDhweXZESTItcGN1cS16am9ndW5heXZoZTl5ZENvWmZ0TGVRZGxCLW0ybTY4X29tX2xtMlNmLVhfeW54RUJVOVNxWFBJUnBxSUhRd211R1Vwa1B6ZDZIR09DWlBJd3dWNW1Qc0hxZ0ZLQlRCaTRyZw?oc=5) · USA Today
- 2013-08-14 [Alleged Louisiana Gunman Chatted With Mayor Before Deadly Standoff - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMimwFBVV95cUxPc3FYU0JQSi05RDhOSFc1MEtHWUFYQ0VFelNrTGJWYndlbDlaRE5IdEJFcXl1eU0ycEJ2RWh4QnVOWDBfTDZLWG02VDhxRldOQi0zX3Y4T3dwYWxQLU4zR2UxUmthdmt6NUlrVjB6ajJwZGlieGVsQnUxTUV2SzBPWV9mMVI3NlZfemkzTjF1a2oyVEJ4WlVDREFiONIBoAFBVV95cUxOMXhuUFk5U081Wkx1X0hSS0RNdWJaN3lSV0pRSWdmbmszRTgzMnp2TG5oMmE4bko3d0V2RUhWeGFnVDliNGNyOUdEV19jSFRYWTB6UjVoSzJuTXNQNDdzVlFjQUFkTU9MS1MxTDNjYWFTbzFNa3BfQ0JmbFdNeDUzN1h3ZUNlZ2xWZzBYSkgwSmtfREM1MFF1UkVmaDFrQ3A0?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2013-08-14 [Gunman killed, hostages wounded as U.S. police storm Louisiana bank - Hürriyet Daily News](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZ1JBWlJUWEUzeFE5WktuVTZCZzVDTmVvM0dENGxIakRZcGpsR01aT1YxSjlGQXlRaUE3T2I5eEFvUG1XaTl0RXZ2ZXVaRWVoSFA2NXBNZHJPNzI4Q1QzYjBpcTNrMXZHQUc0ZWJnc2RlSWpOR2wxc1FvV2lIdFhzN2tzd1VaeUtrWGtibDlRU21YTWJSZEphN2c0TTdORHlCajA4QnlXUQ?oc=5) · Hürriyet Daily News
- 2013-08-14 [Hostage taker kills captive before police shoot him dead in La. - New York Post](https://news.google.com/rss/articles/CBMimAFBVV95cUxNMUZ4VklENnBQb05QamVybGxsS2hMWVRZQ1RVN1F2T29RZWdNaC1acGI3UWdRZVV6Zy1xMTA3bFB6d1NPTm5wUUdHZmVCSGE2QzJJOTk1d1NoTklsQkljLUhydkpTM0pUbU5jQUVWNFMtQTA4TW5kOHFFZjRqS2xiNi1Wem9iaDR1Q2xiU1ZnbWxLZy1QZ1NZbw?oc=5) · New York Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8533 (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/21.json (key "8533", 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