Bank of Yazoo City: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.34 percentage points higher than in Q1 2026, at 65.37%. Within Mississippi, Bank of Yazoo City is 32nd of 57 on return on assets, 1.14% as of Q2 2026, below the middle of the field. Bank of Yazoo City reported 1.14% on return on assets for Q2 2026, 0.11 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.00% |
| Equity capital to assets | 10.98% |
| Tangible equity to tangible assets | 10.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.05% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 10.77% |
| Net interest margin | 3.54% |
| Efficiency ratio | 60.32% |
| Yield on earning assets | 4.81% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.37% |
| Core deposits to total deposits | 89.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.22% |
| Securities to assets | 35.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.71% | 0.27% | 2.07% | 0.06% | 0.02% |
| Q4 2023 | 10.60% | 0.38% | 2.07% | 0.00% | 0.29% |
| Q1 2024 | 10.60% | 0.51% | 2.04% | 0.00% | 0.02% |
| Q2 2024 | 11.10% | 0.41% | 2.27% | 0.00% | 0.04% |
| Q3 2024 | 11.50% | 0.39% | 2.26% | 0.00% | 0.07% |
| Q4 2024 | 11.44% | 0.88% | 2.39% | 0.00% | 0.03% |
| Q1 2025 | 11.30% | 0.61% | 2.48% | 0.00% | 0.04% |
| Q2 2025 | 11.44% | 0.73% | 2.76% | 0.00% | 0.04% |
| Q3 2025 | 11.69% | 0.73% | 2.99% | 0.00% | 0.11% |
| Q4 2025 | 12.38% | 0.84% | 3.16% | 0.03% | 0.05% |
| Q1 2026 | 11.81% | 0.79% | 3.26% | 0.00% | 0.06% |
| Q2 2026 | 12.00% | 1.14% | 3.54% | 0.00% | 0.02% |
Bank of Yazoo City vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Yazoo City, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Yazoo City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11431) · FFIEC NIC profile (RSSD 118736)