Amory First Savings and Loan Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Amory First Savings and Loan Bank, SSB is an FDIC-insured commercial bank headquartered in Amory, MS, established in 1934 (FDIC certificate 28949), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $78.7M, up 9.5% from Q2 2025, the 56th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 28949
- Headquarters
- Amory, MS
- Established
- 1934
- Total assets, Q2 2026
- $78.7M
- Assets vs Q2 2025
- +9.5%
- Tier 1 leverage ratio, Q2 2026
- 13.11%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 284272612
- Latest call report
- Q2 2026, FFIEC 051 · Amory First Savings and Loan Bank, SSB call report
- Asset rank in state
- 56th of 57 in Mississippi
Problem loans are rising at Amory First Savings and Loan Bank, SSB. Based in Amory, Mississippi, it had $79 million in assets at June 30, 2026, up 9.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.37% of loans from 1.05% a year earlier. It pays an average of 3.01% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also keeps 2.86 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
Credit is the area to watch: it carries problem assets equal to 7.9% of the capital and reserves that would absorb them, 5.7 times the median of 1.4% for banks its size.
As of June 30, 2026, Amory First Savings and Loan Bank, SSB reported a return on assets of 1.06%, a nonperforming-loan ratio of 1.37% and a Texas ratio of 7.88%. The figures come from its call report filed with the FFIEC.
Amory First Savings and Loan Bank, SSB ranks as the 56th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $78.7M, loans rose 0.3% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 92.7% of total loans, followed by construction and land development loans at 6.1%. The FDIC Summary of Deposits lists a single office for it, in Amory, MS. By the capital ratios in its Q2 2026 call report, Amory First Savings and Loan Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 213 2nd Ave N, Amory, MS 38821
- County
- Monroe
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $68.1M
- Allowance for credit losses
- $622K
- Net charge-offs (YTD)
- $10K
- Average total assets
- $78.3M
- Average total loans
- $62.0M
- Average interest-bearing deposits
- $67.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28949
- Fed RSSD
- 715975
- Website
- www.amoryfederal.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Amory First Savings and Loan Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Amory First Savings and Loan Bank, SSB's total assets moved between a low of $71.1M (Q4 2024) and a high of $78.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$78.7M total assets against $71.9M; $68.6M total liabilities against $62.2M.
$61.6M net loans and leases against $56.0M; $68.1M total deposits against $61.4M.
$7.7M securities against $12.7M; $7.4M cash and balances due against $1.7M.
$1.0M total interest income against $911K; $508K total interest expense against $480K.
$526K net interest income against $431K.
$9K total noninterest income against $42K; $292K total noninterest expense against $487K.
$35K provision for credit losses against $0.
$208K net income against -$5K.
1.06% return on assets against -0.03%; 2.86% net interest margin against 2.41%.
13.11% tier 1 leverage ratio against 13.54%.
Inside the full Amory First Savings and Loan Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.17% (Q3 2024) to 1.06% (Q2 2026) and its net interest margin ran from 1.94% (Q3 2024) to 2.99% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.11% | 1.06% | 1.37% | 7.88% | 2.86% |
| Q1 2026 | 12.97% | 0.16% | 1.00% | 6.01% | 2.70% |
| Q4 2025 | 12.97% | 0.52% | 0.74% | 4.27% | 2.99% |
| Q3 2025 | 13.08% | 0.46% | 0.82% | 4.68% | 2.42% |
| Q2 2025 | 13.54% | -0.03% | 1.05% | 5.84% | 2.41% |
| Q1 2025 | 13.44% | 0.34% | 0.99% | 5.16% | 2.37% |
| Q4 2024 | 13.32% | 0.09% | 0.63% | 3.15% | 2.13% |
| Q3 2024 | 13.20% | -0.17% | 1.05% | 5.24% | 1.94% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Amory First Savings and Loan Bank, SSB (main office) | Amory , MS | 38821 | $68.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MS, rank 71 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Amory First Savings and Loan Bank, SSB
What are Amory First Savings and Loan Bank, SSB's total assets?
As of the Q2 2026 filing, Amory First Savings and Loan Bank, SSB reported total assets of $78.7 million in its FFIEC call report.
Where is Amory First Savings and Loan Bank, SSB headquartered?
It is headquartered in Amory, MS, United States.
When was Amory First Savings and Loan Bank, SSB founded?
It was established in 1934, per the FDIC institution directory.
Is Amory First Savings and Loan Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28949). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Amory First Savings and Loan Bank, SSB?
Amory First Savings and Loan Bank, SSB's primary federal regulator is the Federal Reserve.
How many branches does Amory First Savings and Loan Bank, SSB operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Amory First Savings and Loan Bank, SSB's Texas Ratio?
Its Texas Ratio is 7.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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