BankPlus
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Data as of · sourced from FFIEC call reports. How we update
BankPlus is an FDIC-insured commercial bank headquartered in Belzoni, MS, established in 1909 (FDIC certificate 5903), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $8.38B, up 6.8% from Q2 2025, the 4th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.84% 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
- 5903
- Headquarters
- Belzoni, MS
- Established
- 1909
- Total assets, Q2 2026
- $8.38B
- Assets vs Q2 2025
- +6.8%
- Tier 1 leverage ratio, Q2 2026
- 10.84%
- Domestic offices
- 74 FDIC institution directory, current count
- Routing number
- 084202264
- Holding company
- BANCPLUS CORPORATION
- Asset rank in state
- 4th of 57 in Mississippi
BankPlus, based in Belzoni, Mississippi, reported $8.4 billion in assets at June 30, 2026, up 6.8% from a year earlier. It holds about a fifth of its deposits (19%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%).
Deposits are coming in faster than loans: over the year loans rose 4.5% and deposits rose 8.5%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.62% of loans from 0.38% a year earlier.
As of June 30, 2026, BankPlus reported a return on assets of 1.15%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 4.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, BankPlus is the 4th largest of the 57 banks headquartered in Mississippi. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $8.38B, loans rose 1.5% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.0% of total loans, ahead of owner-occupied commercial real estate loans at 18.9%. The FDIC Summary of Deposits lists 73 offices for it, in 52 cities across 4 states; its Jackson 5 offices book 10% of its branch deposits. Judged on its Q2 2026 call report, BankPlus meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 E Jackson St, Belzoni, MS 39038
- County
- Humphreys
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1909
- Former names
- Citizens National Bank of Belzoni (1965-1994)
- Domestic offices
- 74 FDIC institution directory, current count
- Employees (FTE)
- 1,023
- Domestic deposits
- $7.35B
- Allowance for credit losses
- $71.9M
- Net charge-offs (YTD)
- $1.7M
- Average total assets
- $8.27B
- Average total loans
- $6.37B
- Average interest-bearing deposits
- $5.89B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5903
- Fed RSSD
- 121642
- SEC CIK
- 1118004 → filed by BANCPLUS CORPORATION
- Website
- http://www.bankplus.net →
- Parent Holding Company
- BANCPLUS CORPORATION (RSSD 1097306)
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, BankPlus 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, BankPlus's total assets ran between $7.58B (Q3 2023) and $8.38B (Q2 2026), 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
$8.38B total assets against $7.84B; $7.43B total liabilities against $6.96B.
$6.34B net loans and leases against $6.07B; $7.35B total deposits against $6.78B.
$1.20B securities against $990.8M; $369.4M cash and balances due against $334.2M.
$112.8M total interest income against $107.8M; $38.2M total interest expense against $39.0M.
$74.6M net interest income against $68.8M.
$18.2M total noninterest income against $18.1M; $59.8M total noninterest expense against $56.8M.
$2.1M provision for credit losses against $936K.
$23.7M net income against $22.8M.
1.15% return on assets against 1.15%; 3.82% net interest margin against 3.66%.
10.84% tier 1 leverage ratio against 10.52%.
Inside the full BankPlus terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
BankPlus rankings
Its closest position to the top of a national ranking is 191 of 4,196, for total assets; its furthest is 841 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.89% (Q4 2024) to 1.40% (Q1 2026) and its net interest margin ran from 3.36% (Q3 2024) to 3.90% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.84% | 1.15% | 0.64% | 4.82% | 3.82% |
| Q1 2026 | 10.77% | 1.40% | 0.53% | 3.86% | 3.77% |
| Q4 2025 | 10.91% | 1.14% | 0.44% | 3.45% | 3.90% |
| Q3 2025 | 10.84% | 1.00% | 0.48% | 3.99% | 3.81% |
| Q2 2025 | 10.52% | 1.15% | 0.39% | 3.49% | 3.66% |
| Q1 2025 | 10.37% | 1.28% | 0.35% | 3.43% | 3.45% |
| Q4 2024 | 10.13% | 0.89% | 0.38% | 3.70% | 3.37% |
| Q3 2024 | 10.09% | 0.97% | 0.35% | 3.19% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 73 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 |
|---|---|---|---|
| Northpark Branch | Covington , LA | 70433 | $570.2M |
| The District Branch | Jackson , MS | 39211 | $488.9M |
| Renaissance at Colony Park Branch | Ridgeland , MS | 39157 | $482.4M |
| Clinton Boulevard Branch | Clinton , MS | 39056 | $225.0M |
| Jerry Clower Boulevard | Yazoo City , MS | 39194 | $212.5M |
| Spillway Road Branch | Brandon , MS | 39047 | $200.5M |
| Olive Branch Main Branch | Olive Branch , MS | 38654 | $192.5M |
| Brookhaven South Railroad Main Branch | Brookhaven , MS | 39601 | $181.3M |
| Flora Branch | Flora , MS | 39071 | $178.6M |
| Highway 43 South Branch | Picayune , MS | 39466 | $160.9M |
| Fairpark Branch | Tupelo , MS | 38804 | $151.1M |
| Jsu Branch | Jackson , MS | 39203 | $138.3M |
| Canton Branch | Canton , MS | 39046 | $133.7M |
| Strawberry Hill Drive Branch | Madison , MS | 39110 | $130.4M |
| St Francis Street Branch | Mobile , AL | 36602 | $126.6M |
| Lexington Branch | Lexington , MS | 39095 | $124.4M |
| Castlewoods Branch | Flowood , MS | 39232 | $121.7M |
| Gluckstadt Branch | Madison , MS | 39110 | $121.5M |
| Jackson Street Branch | Ridgeland , MS | 39157 | $116.6M |
| Geneva South Commerce Branch | Geneva , AL | 36340 | $115.6M |
| Hwy 463 Branch | Madison , MS | 39110 | $111.5M |
| Greenfield Road Branch | Brandon , MS | 39042 | $111.3M |
| Byram Branch | Byram , MS | 39272 | $111.1M |
| South Archusa Avenue Branch | Quitman , MS | 39355 | $108.5M |
| Cleveland North Davis Ave Branch | Cleveland , MS | 38732 | $104.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2022 | M&A | Acquired First Bank and Trust merger for the acquired bank | SEC |
| March 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2022 | Structure Change | Acquired First Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2020 | M&A | Acquired State Bank & Trust Company merger for the acquired bank | SEC |
| April 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Structure Change | Acquired State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 26, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 2000 | M&A | Acquired First National Bank of Holmes County merger for the acquired bank | SEC |
| June 24, 2000 | Structure Change | Acquired First National Bank of Holmes County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 1996 | M&A | Acquired BankPlus SSB merger for the acquired bank | SEC |
| November 22, 1996 | Structure Change | Acquired BankPlus SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 1994 | M&A | Acquired Southeast Mississippi Bank merger for the acquired bank | SEC |
| October 6, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 1994 | Structure Change | Acquired Southeast Mississippi Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 1993 | M&A | Acquired Bank of Flora merger for the acquired bank | SEC |
| May 3, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 3, 1993 | Structure Change | Acquired Bank of Flora Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 1990 | M&A | Acquired Unifirst Bank for Savings, a Federal Savings and Loan failure_government_assistance_provided for the acquired bank | SEC |
| June 16, 1990 | Structure Change | Acquired Unifirst Bank for Savings, a Federal Savings and Loan Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 6.6% of deposits in MS, rank 5 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,742 applications, 2,733 loans originated, $735.5M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.9M approved, $975K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 BankPlus
What are BankPlus's total assets?
As of the Q2 2026 filing, BankPlus reported total assets of $8.38 billion in its FFIEC call report.
Where is BankPlus headquartered?
It is headquartered in Belzoni, MS, United States.
When was BankPlus founded?
It was established in 1909, per the FDIC institution directory.
Is BankPlus FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BankPlus?
BankPlus's primary federal regulator is the Federal Reserve.
How many branches does BankPlus operate?
It operates 74 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BankPlus's Texas Ratio?
Its Texas Ratio is 4.82% 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.
What was BankPlus previously called?
The charter now named BankPlus has also operated as Citizens National Bank of Belzoni (1965-1994), per FDIC structure-change records.
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