First National Bank of Clarksdale: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 3.37 percentage points in Q2 2026, from 25.13% to 28.51%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, First National Bank of Clarksdale is 31st of 57 on total deposits, $342.0M as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is $277.3M on total deposits. First National Bank of Clarksdale sits 23% higher, at $342.0M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $342.0M |
| Domestic office deposits | $342.0M |
| Foreign office deposits | — |
| Deposits to total assets | 88.58% |
| Deposits to total liabilities | 98.97% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $97.5M |
| Savings deposits | $19.5M |
| Transaction accounts to domestic deposits | 63.82% |
| Time deposits | $26K |
| Time deposits under $100k | $26.1M |
| Time deposits $100k to $250k | $25.9M |
| Time deposits over $250k | $37.8M |
| Noninterest-bearing share of deposits | 28.51% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $304.2M |
| Core deposits to total deposits | 88.94% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.63% |
| Interest expense on deposits | $1.7M |
| Loans and leases to core deposits | 81.91% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $327.0M | 91.41% | 0.00% | 2.38% |
| Q4 2023 | $338.7M | 90.44% | 0.00% | 2.82% |
| Q1 2024 | $345.8M | 88.52% | 0.00% | 3.33% |
| Q2 2024 | $334.3M | 89.37% | 0.00% | 3.47% |
| Q3 2024 | $331.0M | 89.56% | 0.00% | 3.39% |
| Q4 2024 | $337.8M | 90.44% | 0.00% | 3.11% |
| Q1 2025 | $359.0M | 89.83% | 0.00% | 3.01% |
| Q2 2025 | $339.8M | 89.08% | 0.00% | 2.87% |
| Q3 2025 | $329.8M | 88.36% | 0.00% | 2.92% |
| Q4 2025 | $351.0M | 87.59% | 0.00% | 2.70% |
| Q1 2026 | $350.0M | 87.39% | 0.00% | 2.67% |
| Q2 2026 | $342.0M | 88.94% | 0.00% | 2.63% |
First National Bank of Clarksdale deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Clarksdale, freeSource: Call Report Schedules RC-E and RC-O, 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 First National Bank of Clarksdale profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19070) · FFIEC NIC profile (RSSD 11640)