Bna Bank
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Data as of · sourced from FFIEC call reports. How we update
Bna Bank is an FDIC-insured commercial bank headquartered in New Albany, MS, established in 1896 (FDIC certificate 19448), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $855.7M, up 5.0% from Q2 2025, the 18th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 18.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19448
- Headquarters
- New Albany, MS
- Established
- 1896
- Total assets, Q2 2026
- $855.7M
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 18.04%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 084201757
- Holding company
- BNA BANCSHARES, INC.
- Asset rank in state
- 18th of 57 in Mississippi
Bna Bank runs leaner than most banks of its size. Based in New Albany, Mississippi, it had $856 million in assets at June 30, 2026, up 5.0% from a year earlier. It spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also grew its loan book 14.6% over the year, 2.7 times the median of 5.5% for banks its size.
Net income for the quarter rose 12% from a year earlier, to $3.4 million. Over the same year, loans grew 14.6% and deposits grew 0.9%.
As of June 30, 2026, Bna Bank reported a CET1 capital ratio of 18.04%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 4.70%. The figures come from its call report filed with the FFIEC.
Bna Bank ranks as the 18th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $855.7M, loans rose 1.4% and deposits rose 0.6%. 1-4 family residential loans made up 49.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.7%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in MS; its New Albany 3 offices book 78% of its branch deposits. Judged on its Q2 2026 call report, Bna Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 205 W Bankhead St, New Albany, MS 38652
- County
- Union
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1896
- Former names
- Bank of New Albany (1970-2007)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $718.7M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $4.1M
- Average total assets
- $834.7M
- Average total loans
- $546.6M
- Average interest-bearing deposits
- $600.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 3, 1965
- FDIC Cert
- 19448
- Fed RSSD
- 916745
- SEC CIK
- 1360534 → filed by BNA BANCSHARES, INC.
- Website
- www.bna.bank →
- Parent Holding Company
- BNA BANCSHARES, INC. (RSSD 3326176)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bna Bank's total assets ranged from $768.2M (Q4 2023) to $855.7M (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
$855.7M total assets against $815.0M; $761.5M total liabilities against $730.7M.
$547.3M net loans and leases against $474.6M; $718.7M total deposits against $712.5M.
$223.4M securities against $242.9M; $34.7M cash and balances due against $44.4M.
$11.5M total interest income against $10.5M; $4.0M total interest expense against $4.0M.
$7.5M net interest income against $6.5M.
$1.3M total noninterest income against $1.1M; $4.0M total noninterest expense against $3.8M.
$463K provision for credit losses against $90K.
$3.4M net income against $3.0M.
1.61% return on assets against 1.50%; 3.82% net interest margin against 3.44%.
18.04% CET1 capital ratio against 18.42%; 12.49% tier 1 leverage ratio against 12.28%.
Inside the full Bna Bank 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bna Bank rankings
Its closest position to the top of a national ranking is 418 of 3,606, for efficiency ratio; its furthest is 1,419 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q4 2025) to 2.10% (Q4 2024) and its net interest margin ran from 2.85% (Q3 2024) to 3.82% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.04% | 1.61% | 0.72% | 4.70% | 3.82% |
| Q1 2026 | 17.60% | 1.63% | 0.73% | 5.15% | 3.67% |
| Q4 2025 | 16.88% | 0.65% | 1.94% | 12.00% | 3.61% |
| Q3 2025 | 18.35% | 1.71% | 0.50% | 4.16% | 3.65% |
| Q2 2025 | 18.42% | 1.50% | 0.84% | 5.41% | 3.44% |
| Q1 2025 | 18.20% | 1.70% | 0.90% | 5.94% | 3.31% |
| Q4 2024 | 17.74% | 2.10% | 0.79% | 5.11% | 3.15% |
| Q3 2024 | 18.08% | 1.24% | 0.78% | 4.65% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Bna Bank (main office) | New Albany , MS | 38652 | $367.8M |
| West Branch | New Albany , MS | 38652 | $124.4M |
| East Branch | New Albany , MS | 38652 | $69.7M |
| Mccullough Branch | Belden , MS | 38826 | $65.1M |
| Barnes Crossing Branch | Saltillo , MS | 38866 | $28.6M |
| Myrtle Branch | Myrtle , MS | 38650 | $26.9M |
| Tupelo Downtown Office Branch | Tupelo , MS | 38804 | $24.5M |
| Pontotoc Branch | Pontotoc , MS | 38863 | $11.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in MS, rank 20 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Bna Bank
What are Bna Bank's total assets?
As of the Q2 2026 filing, Bna Bank reported total assets of $855.7 million in its FFIEC call report.
Where is Bna Bank headquartered?
It is headquartered in New Albany, MS, United States.
When was Bna Bank founded?
It was established in 1896, per the FDIC institution directory.
Is Bna Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19448). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bna Bank?
Bna Bank's primary federal regulator is the FDIC.
What is Bna Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bna Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bna Bank's Texas Ratio?
Its Texas Ratio is 4.70% 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 Bna Bank previously called?
The charter now named Bna Bank has also operated as Bank of New Albany (1970-2007), per FDIC structure-change records.
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