United Mississippi Bank
Operating from Natchez, MS, United Mississippi Bank serves its local market as an FDIC-insured commercial bank, during the regulated-rate era. Total assets stand at $563M. Returns are in line with industry norms at 1.13% ROA and 10.22% ROE; net interest margin is 4.67%. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.77% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.45% NPLs and a 4.55% Texas Ratio. United Mississippi operates a 13-branch network.
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
- Fed District
- 13
- Established
- May 14, 1973
- Branches
- 13 domestic
- Employees (FTE)
- 140
- FDIC Cert
- 21083
- Fed RSSD
- 544335
- Website
- www.unitedmsbk.com →
- Parent Holding Company
- SOUTHWEST SECURITY, INC. (RSSD 1081686)
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United Mississippi Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
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Frequently asked about United Mississippi Bank
What are United Mississippi Bank's total assets?
As of the Q1 2026 filing, United Mississippi Bank reported total assets of $563.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Mississippi Bank headquartered?
United Mississippi Bank is headquartered in NATCHEZ, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Mississippi Bank founded?
United Mississippi Bank was established in 1973, per the FDIC institution directory.
Is United Mississippi Bank FDIC-insured?
Yes. United Mississippi Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does United Mississippi Bank operate?
United Mississippi Bank operates 13 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is United Mississippi Bank's Texas Ratio?
United Mississippi Bank's Texas Ratio is 4.55% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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