Bank Comparison
United Mississippi Bank vs Trinity Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | United Mississippi Bank | Trinity Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | 17.37% |
| Tier 1 Capital Ratio | — | 17.37% |
| Total Capital Ratio | — | 18.62% |
| Tier 1 Leverage Ratio | 10.77% | 12.25% |
| Equity / Assets | 11.15% | 11.72% |
Profitability
| Metric | United Mississippi Bank | Trinity Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.13% | 1.64% |
| Return on Equity (ROE) | 10.22% | 13.89% |
| Net Interest Margin (NIM) | 4.67% | 4.14% |
| Yield on Earning Assets | 5.82% | 5.84% |
| Cost of Funds | 1.20% | 1.89% |
Asset quality
| Metric | United Mississippi Bank | Trinity Bank, N.A. |
|---|---|---|
| Texas Ratio | 4.55% | 0.00% |
| Non-Performing Loan Ratio | 0.45% | 0.00% |
| Non-Performing Asset Ratio | 0.34% | 0.00% |
| Net Charge-Off Ratio | 0.09% | 0.00% |
| ACL / Loans | 0.81% | 1.59% |
Balance sheet
| Metric | United Mississippi Bank | Trinity Bank, N.A. |
|---|---|---|
| Total Assets | $563,128K | $563,285K |
| Total Deposits | $485,049K | $493,105K |
| Total Loans | $415,180K | $345,313K |
| Total Equity | $62,800K | $66,001K |
| Net Income (quarter) | $1,590K | $2,302K |
Liquidity & funding
| Metric | United Mississippi Bank | Trinity Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 85.60% | 70.03% |
| Core Deposit Ratio | 94.69% | 85.73% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | United Mississippi Bank | Trinity Bank, N.A. |
|---|---|---|
| Headquarters City | NATCHEZ | FORT WORTH |
| Headquarters State | MS | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 24397 |
| Regulator | FDIC | OCC |
| Domestic Branches | 13 | 1 |
| Employees (FTE) | 140 | 32 |
| Established | May 14, 1973, midnight | May 28, 2003, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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