Bank of Yazoo City
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Data as of · sourced from FFIEC call reports. How we update
Bank of Yazoo City is an FDIC-insured commercial bank headquartered in Yazoo City, MS, established in 1876 (FDIC certificate 11431), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $318.2M, down 0.8% from Q2 2025, the 38th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11431
- Headquarters
- Yazoo City, MS
- Established
- 1876
- Total assets, Q2 2026
- $318.2M
- Assets vs Q2 2025
- -0.8%
- Tier 1 leverage ratio, Q2 2026
- 12.00%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065300790
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Yazoo City call report
- Holding company
- YAZOO CAPITAL CORPORATION
- Asset rank in state
- 38th of 57 in Mississippi
Bank of Yazoo City, based in Yazoo City, Mississippi, reported $318 million in assets at June 30, 2026. It grew its loan book 18.6% over the year, 3.4 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $929,000, 56% above the same quarter a year earlier. Over the same year, loans grew 18.6% and deposits shrank 2.0%.
As of June 30, 2026, Bank of Yazoo City reported a return on assets of 1.14%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Yazoo City is the 38th largest of the 57 banks headquartered in Mississippi. Between Q1 2026 and Q2 2026, its total assets fell 2.4% to $318.2M, loans rose 8.9% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 14.3%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in MS; its Yazoo City 2 offices book 86% of its branch deposits. On its Q2 2026 call report, Bank of Yazoo City meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 N Main St, Yazoo City, MS 39194
- County
- Yazoo
- Metro Area
- Jackson, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 15, 1876
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $280.7M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $33K
- Average total assets
- $325.4M
- Average total loans
- $174.5M
- Average interest-bearing deposits
- $206.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11431
- Fed RSSD
- 118736
- SEC CIK
- 1539120 → filed by YAZOO CAPITAL CORPORATION
- Website
- http://www.bankofyazoo.com →
- Parent Holding Company
- YAZOO CAPITAL CORPORATION (RSSD 1083402)
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, Bank of Yazoo City reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Yazoo City's total assets ran between $306.2M (Q2 2024) and $331.0M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$318.2M total assets against $320.8M; $283.3M total liabilities against $288.8M.
$181.6M net loans and leases against $152.8M; $280.7M total deposits against $286.5M.
$112.1M securities against $113.9M; $5.3M cash and balances due against $34.3M.
$3.6M total interest income against $3.3M; $967K total interest expense against $1.2M.
$2.7M net interest income against $2.1M.
$595K total noninterest income against $662K; $2.0M total noninterest expense against $2.0M.
$95K provision for credit losses against $59K.
$929K net income against $594K.
1.14% return on assets against 0.73%; 3.54% net interest margin against 2.76%.
12.00% tier 1 leverage ratio against 11.44%.
Inside the full Bank of Yazoo City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Yazoo City rankings
Its closest position to the top of a national ranking is 1,858 of 3,606, for efficiency ratio; its furthest is 3,288 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.39% (Q3 2024) to 1.14% (Q2 2026) and its net interest margin ran from 2.26% (Q3 2024) to 3.54% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.00% | 1.14% | 0.01% | 0.05% | 3.54% |
| Q1 2026 | 11.81% | 0.79% | 0.01% | 0.06% | 3.26% |
| Q4 2025 | 12.38% | 0.84% | 0.04% | 0.18% | 3.16% |
| Q3 2025 | 11.69% | 0.73% | 0.00% | 0.00% | 2.99% |
| Q2 2025 | 11.44% | 0.73% | 0.00% | 0.00% | 2.76% |
| Q1 2025 | 11.30% | 0.61% | 0.00% | 0.00% | 2.48% |
| Q4 2024 | 11.44% | 0.88% | 0.00% | 0.00% | 2.39% |
| Q3 2024 | 11.50% | 0.39% | 0.00% | 5.19% | 2.26% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → 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 |
|---|---|---|---|
| Bank of Yazoo City (main office) | Yazoo City , MS | 39194 | $233.4M |
| Flowood Branch | Flowood , MS | 39232 | $16.0M |
| Pearl, Mississippi Branch | Pearl , MS | 39208 | $13.1M |
| Bank of Yazoo City (main office) | Flora , MS | 39071 | $9.6M |
| Highway 49 Branch | Yazoo City , MS | 39194 | $8.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MS, rank 44 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 131 applications, 115 loans originated, $26.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $45K approved, $45K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Bank of Yazoo City
What are Bank of Yazoo City's total assets?
As of the Q2 2026 filing, Bank of Yazoo City reported total assets of $318.2 million in its FFIEC call report.
Where is Bank of Yazoo City headquartered?
It is headquartered in Yazoo City, MS, United States.
When was Bank of Yazoo City founded?
It was established in 1876, per the FDIC institution directory.
Is Bank of Yazoo City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11431). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Yazoo City?
Bank of Yazoo City's primary federal regulator is the FDIC.
How many branches does Bank of Yazoo City operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Yazoo City's Texas Ratio?
Its Texas Ratio is 0.05% 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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