BANK OF YAZOO CITY

YAZOO CITY, MS | Small | Est. April 15, 1876, midnight | FDIC #11431 | RSSD #118736 | FDIC
Latest Report: 2025-12-31

BANK OF YAZOO CITY is asn small FDIC-insured commercial bank headquartered in YAZOO CITY, MS, established in April 15, 1876, midnight. As of 2025-12-31, the bank reported total assets of $308M and total deposits of $271M. Profitability stands at 0.83% ROA and 7.63% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 10.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.12%. FDIC Certificate #11431.

Assets

$308M

Deposits

$271M

Loans

$163M

Equity

$34M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 7.63%
Net Interest Margin (NIM) 3.20%
Yield on Assets 4.61%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.12%
NPA Ratio 0.01%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 10.95%
Tier 1 Capital 10.95%
Total Capital Ratio 11.50%
Leverage Ratio 12.38%
Loan-to-Deposit 60.18%

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