The Bank (FDIC #34409): Bank Stress & Real-Estate Credit Exposure

The Bank (FDIC Cert #34409): bank stress 46/100, moderate, STABLE over 7 days; parent BANCSHARES INC THE.

The Bank (#34409) lends in 3 counties across 1 state; The Bank (#34409) reaches 39 ZIP codes: Louisiana 3 counties, 39 ZIPs.

The Bank (#34409) largest markets: Calcasieu County, LA (18 branches, 18 ZIPs) (#34409), Acadia County, LA (45 branches, 15 ZIPs) (#34409), Jefferson Davis County, LA (40 branches, 10 ZIPs) (#34409).

The Bank (#34409) reports $462.0 million in total assets; The Bank (#34409) equity $58.3 million (12.6% of The Bank (#34409) assets); The Bank (#34409) domestic deposits $396.3 million; The Bank (#34409) net income $3.9 million; The Bank (#34409) return on assets 1.75%; The Bank (#34409) return on equity 13.68%; The Bank (#34409) net interest income $11.5 million; The Bank (#34409) call report June 30, 2026.

The Bank (#34409) noncurrent real-estate loans 0.08% of its book; The Bank (#34409) net charge-offs on real estate 0.22%.

The Bank (#34409) net interest margin 5.43% against an eight-quarter The Bank (#34409) average of 5.13% (The Bank (#34409) compression -0.30 points); The Bank (#34409) real-estate loans 7.7% of equity; The Bank (#34409) rate-exposure score 40/100, The Bank (#34409) fixed-rate trap 40/100; The Bank (#34409) risk type credit driven; The Bank (#34409) rate regime rates elevated, The Bank (#34409) snapshot October 19, 2026.

The Bank (#34409) stress score moved from 43.1 on June 22, 2026 to 46.3 on October 19, 2026; The Bank (#34409) ranged 43.1 to 46.3 over 116 snapshots.

The Bank (#34409) alerts: 3 counties; top The Bank (#34409) alert scores: Iowa County, LA 18 (low); Rayne County, LA 18 (low); Welsh County, LA 18 (low).