United Mississippi Bank
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Data as of · sourced from FFIEC call reports. How we update
United Mississippi Bank is an FDIC-insured commercial bank headquartered in Natchez, MS, established in 1973 (FDIC certificate 21083), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $560.7M, up 2.8% from Q2 2025, the 26th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.04% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21083
- Headquarters
- Natchez, MS
- Established
- 1973
- Total assets, Q2 2026
- $560.7M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 11.04%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 065301883
- Latest call report
- Q2 2026, FFIEC 051 · United Mississippi Bank call report
- Holding company
- SOUTHWEST SECURITY, INC.
- Asset rank in state
- 26th of 57 in Mississippi
United Mississippi Bank, based in Natchez, Mississippi, reported $561 million in assets at June 30, 2026, up 2.8% from a year earlier. It pays an average of 1.14% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also keeps 4.73 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 20% from a year earlier, to $1.6 million. Over the same year, loans grew 7.7% and deposits shrank 0.1%. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, United Mississippi Bank reported a return on assets of 1.16%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.32%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Mississippi Bank is the 26th largest of the 57 banks headquartered in Mississippi. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $560.7M, loans fell 0.3% and deposits fell 1.3%. 1-4 family residential loans made up 25.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.0%. Its 13 offices in the FDIC Summary of Deposits are in 10 cities across 2 states; its Natchez 4 offices book 39% of its branch deposits. On its Q2 2026 call report, United Mississippi Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 75 Melrose Montebello Pkwy, Natchez, MS 39120
- County
- Adams
- Metro Area
- Natchez, MS-LA
- 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 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 14, 1973
- Former names
- First Natchez Bank (1974-1985)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $478.9M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $108K
- Average total assets
- $560.9M
- Average total loans
- $409.2M
- Average interest-bearing deposits
- $316.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 14, 1973
- FDIC Cert
- 21083
- Fed RSSD
- 544335
- Website
- www.unitedmsbk.com →
- Parent Holding Company
- SOUTHWEST SECURITY, INC. (RSSD 1081686)
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, United Mississippi Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, United Mississippi Bank's total assets ranged from $444.1M (Q4 2023) to $577.2M (Q3 2025), 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
$560.7M total assets against $545.6M; $496.4M total liabilities against $486.5M.
$410.4M net loans and leases against $381.2M; $478.9M total deposits against $479.1M.
$93.8M securities against $105.4M; $23.3M cash and balances due against $29.3M.
$7.6M total interest income against $7.2M; $1.6M total interest expense against $1.5M.
$6.1M net interest income against $5.7M.
$1.3M total noninterest income against $1.2M; $5.6M total noninterest expense against $5.4M.
$130K provision for credit losses against $90K.
$1.6M net income against $1.4M.
1.16% return on assets against 1.00%; 4.73% net interest margin against 4.56%.
11.04% tier 1 leverage ratio against 10.57%.
Inside the full United Mississippi Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Mississippi Bank rankings
Its closest position to the top of a national ranking is 1,635 of 4,196, for total assets; its furthest is 3,071 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q3 2024) to 1.18% (Q3 2025) and its net interest margin ran from 4.09% (Q3 2024) to 4.73% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.04% | 1.16% | 0.19% | 1.32% | 4.73% |
| Q1 2026 | 10.77% | 1.13% | 0.33% | 2.32% | 4.67% |
| Q4 2025 | 10.49% | 0.89% | 0.24% | 1.75% | 4.70% |
| Q3 2025 | 10.69% | 1.18% | 0.23% | 1.89% | 4.73% |
| Q2 2025 | 10.57% | 1.00% | 0.19% | 1.42% | 4.56% |
| Q1 2025 | 10.41% | 1.07% | 0.15% | 1.12% | 4.18% |
| Q4 2024 | 12.55% | 1.03% | 0.27% | 1.69% | 4.19% |
| Q3 2024 | 12.88% | 0.86% | 0.32% | 1.90% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| United Mississippi Bank (main office) | Natchez , MS | 39120 | $74.9M |
| Downtown Branch | Natchez , MS | 39120 | $71.4M |
| Woodville Downtown Office | Woodville , MS | 39669 | $61.7M |
| Bude Branch | Bude , MS | 39630 | $56.5M |
| Port Gibson Farmer Street Branch | Port Gibson , MS | 39150 | $46.7M |
| Fayette Branch | Fayette , MS | 39069 | $43.2M |
| Morgantown Branch | Natchez , MS | 39120 | $30.2M |
| New Roads Branch | New Roads , LA | 70760 | $23.3M |
| Gloster Branch | Gloster , MS | 39638 | $22.6M |
| Eunice South 4th Street Branch | Eunice , LA | 70535 | $20.8M |
| Vidalia Branch | Vidalia , LA | 71373 | $15.0M |
| Southern Motor Bank | Natchez , MS | 39120 | $12.0M |
| Brookhaven Branch | Brookhaven , MS | 39601 | $494K |
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 |
|---|---|---|---|
| November 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2013 | Structure Change | Acquired Peoples Bank of the South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 27, 2011 | Structure Change | Acquired The Merchants & Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2003 | Structure Change | Acquired The Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MS, rank 32 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $51K approved, $51K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (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 United Mississippi Bank
What are United Mississippi Bank's total assets?
As of the Q2 2026 filing, United Mississippi Bank reported total assets of $560.7 million in its FFIEC call report.
Where is United Mississippi Bank headquartered?
It is headquartered in Natchez, MS, United States.
When was United Mississippi Bank founded?
It was established in 1973, per the FDIC institution directory.
Is United Mississippi Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Mississippi Bank?
United Mississippi Bank's primary federal regulator is the FDIC.
How many branches does United Mississippi Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Mississippi Bank's Texas Ratio?
Its Texas Ratio is 1.32% 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 United Mississippi Bank previously called?
The charter now named United Mississippi Bank has also operated as First Natchez Bank (1974-1985), per FDIC structure-change records.
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