Bank of Yazoo City: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Yazoo City of Yazoo City, MS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.34% | -0.20% | 41st below |
| ROAE | 10.77% | 13.32% | -2.55% | 41st below |
| Net Interest Margin | 3.54% | 3.93% | -0.39% | 29th below |
| Efficiency Ratio | 60.32% | 61.14% | -0.82% | 53rd above |
| PPNR / Avg Assets | 1.57% | 1.68% | -0.11% | 49th below |
| Yield on Earning Assets | 4.81% | 5.67% | -0.86% | 17th bottom |
| Cost of Funds | 1.36% | 1.88% | -0.52% | 77th top |
| Net Interest Spread | 2.94% | 3.32% | -0.38% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 31st below |
| Texas Ratio | 0.05% | 7.33% | -7.28% | 89th top |
| Provision / NCO | 36.36% | 1396.13% | -1359.77% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.00% | 12.14% | -0.14% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.98% | 11.37% | -0.39% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.98% | 11.09% | -0.11% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.37% | 80.64% | -15.27% | 77th top |
| Core Deposit Ratio | 89.69% | 86.86% | +2.83% | 53rd above |
| Wholesale Funding Ratio | 0.24% | 5.04% | -4.80% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.82% | 6.85% | -7.67% | 15th bottom |
| Loan Growth (Y/Y) | 18.62% | 7.90% | +10.72% | 91st top |
| Deposit Growth (Y/Y) | -2.02% | 6.29% | -8.31% | 13th bottom |
See Bank of Yazoo City's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Yazoo City, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Yazoo City profile, how to read a UBPR, or how this data updates.