Tenon half the depth of the beam? You have a quarter of the strength
(½)² = ¼. And the fix costs one saw cut.
A beam does not fail in bending. It fails in HORIZONTAL SHEAR, along the neutral axis — and once the split starts, complete failure is likely. It is the primary cause of beam failure.
When you cut a tenon on the underside, the neutral axis rises from the centre of the beam toward the centre of the tenon. The factor is (d/h)². A tenon half the depth: (½)² = ¼. You have a quarter of the shear strength left.
