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Simmesport State Bank

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Simmesport State Bank Rates & Review September 2026

Q: How many branches does Simmesport State Bank operate?

Simmesport State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Simmesport State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Simmesport State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Simmesport State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Simmesport State Bank, and you can see how they compare in the Simmesport State Bank rate tables below. MonitorBankRates evaluates the financial stability of Simmesport State Bank with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 25.25%. Database rates last updated and verified on 09/23/2026.

Simmesport State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Simmesport State Bank? Share your experience about Simmesport State Bank by leaving a review below, or read customer reviews before you decide to use Simmesport State Bank.

Overall Health & Safety Grade

C+

Fair Health Score: 79/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

25.25%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Simmesport State Bank

16495 Highway 1
Simmesport, LA 71369

https://www.simmesportstatebank.net/

Current Rate Availability

We're not currently displaying rates for Simmesport State Bank, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Simmesport State Bank’s Texas Ratio rose from 21.07% in Q3 2023 to 25.25% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.5 to 4.2 and its Health Grade from B to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$198M	25.25%	4.2	C+
March 31, 2026	$202M	31.68%	3.6	C-
December 31, 2025	$200M	32.48%	3.5	D
September 30, 2025	$209M	28.80%	3.9	C
June 30, 2025	$222M	24.93%	4.2	C+
March 31, 2025	$222M	16.87%	4.8	A-
December 31, 2024	$225M	14.14%	5.0	A-
September 30, 2024	$232M	14.56%	5.0	A-
June 30, 2024	$219M	18.07%	4.7	B+
March 31, 2024	$212M	21.78%	4.4	B
December 31, 2023	$208M	23.46%	4.3	B-
September 30, 2023	$211M	21.07%	4.5	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Simmesport State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Simmesport State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Simmesport State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Simmesport State Bank

FDIC Certificate # 17587

Address 16495 Highway 1, Simmesport, LA 71369 · Avoyelles

Website https://www.simmesportstatebank.net/

Established 19560501

FDIC Insurance Date 19560501

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C+

Overall Health Grade Score: 79/100

4.1

Excellent Out of 5.0 Stars

25.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5007%

Return on Equity (ROE) 12.3800%

Non-Performing Loans (NPL) 2.50%

Total Assets $198,489,000

Total Deposits $172,951,000

Equity Capital $25,040,000

Net Income $1,501,000

Headquarters Simmesport

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Simmesport State Bank

How many branches does Simmesport State Bank operate?

Simmesport State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Simmesport State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Simmesport State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Simmesport State Bank offer online and mobile banking?

Most modern institutions like Simmesport State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.simmesportstatebank.net/.