AMORY FIRST SAVINGS AND LOAN BANK, SSB

AMORY, MS | Micro | Est. June 1, 1934, midnight | FDIC #28949 | RSSD #715975 | FED
Latest Report: 2025-12-31

AMORY FIRST SAVINGS AND LOAN BANK, SSB is amn micro FDIC-insured commercial bank headquartered in AMORY, MS, established in June 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $76M and total deposits of $66M. Profitability stands at 0.53% ROA and 4.07% ROE, with a net interest margin of 3.00%. The bank's CET1 capital ratio is 13.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.52%. FDIC Certificate #28949.

Assets

$76M

Deposits

$66M

Loans

$61M

Equity

$10M

Profitability

Return on Assets (ROA) 0.53%
Return on Equity (ROE) 4.07%
Net Interest Margin (NIM) 3.00%
Yield on Assets 5.93%
Cost of Funds 3.10%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio --
Texas Ratio 1.52%
NPA Ratio 0.21%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 13.10%
Tier 1 Capital 13.10%
Total Capital Ratio 13.75%
Leverage Ratio 12.97%
Loan-to-Deposit 92.48%

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