BanksUNITED MISSISSIPPI BANK

UNITED MISSISSIPPI BANK

NATCHEZ, MSMediumEst. May 14, 1973, midnightFDIC #21083RSSD #544335FDIC
Latest · 2025-12-31

UNITED MISSISSIPPI BANK is an FDIC-insured commercial bank headquartered in NATCHEZ, MS, established in May 14, 1973, midnight. As of 2025-12-31, the bank reported total assets of $555M and total deposits of $480M. Profitability stands at 0.88% ROA and 8.12% ROE, with a net interest margin of 4.66%. CET1 capital ratio: 10.90%, well above regulatory minimums. NPL ratio: 0.21% · Texas Ratio: 1.37%. Operates 13 domestic branches.

Assets
$555M
Deposits
$480M
Loans
$407M
Equity
$62M

Profitability

Return on Assets (ROA)0.88%
Return on Equity (ROE)8.12%
Net Interest Margin4.66%
Yield on Assets5.92%
Cost of Funds1.30%

Asset Quality

NPL Ratio0.21%
Net Charge-Off Ratio0.02%
Texas Ratio1.37%
NPA Ratio0.16%
ACL / Loans0.82%

Capital & Liquidity

CET1 Ratio10.90%
Tier 1 Capital10.90%
Total Capital Ratio11.44%
Leverage Ratio11.35%
Loan-to-Deposit84.93%

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