United Mississippi Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 9.50 percentage points in Q2 2026, from 178.32% to 187.82%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, United Mississippi Bank is 30th of 57 on return on assets, 1.16% as of Q2 2026, below the middle of the field. United Mississippi Bank reported 1.16% on return on assets for Q2 2026, 0.09 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.04% |
| Equity capital to assets | 11.47% |
| Tangible equity to tangible assets | 10.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.46% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 187.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 10.24% |
| Net interest margin | 4.73% |
| Efficiency ratio | 75.40% |
| Yield on earning assets | 5.94% |
| Cost of funds | 1.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.42% |
| Core deposits to total deposits | 94.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.41% |
| Securities to assets | 16.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.55% | 4.79% | 3.48% | 1.27% | 0.03% |
| Q4 2023 | 13.55% | 0.33% | 3.53% | 1.35% | 0.04% |
| Q1 2024 | 13.16% | 0.91% | 3.73% | 1.27% | 0.15% |
| Q2 2024 | 13.43% | 0.90% | 3.86% | 1.24% | 0.01% |
| Q3 2024 | 12.88% | 0.86% | 4.09% | 1.23% | 0.06% |
| Q4 2024 | 12.55% | 1.03% | 4.19% | 1.14% | 0.03% |
| Q1 2025 | 10.41% | 1.07% | 4.18% | 1.07% | 0.00% |
| Q2 2025 | 10.57% | 1.00% | 4.56% | 1.06% | 0.01% |
| Q3 2025 | 10.69% | 1.18% | 4.73% | 0.98% | 0.02% |
| Q4 2025 | 10.49% | 0.89% | 4.70% | 0.51% | 0.07% |
| Q1 2026 | 10.77% | 1.13% | 4.67% | 0.45% | 0.09% |
| Q2 2026 | 11.04% | 1.16% | 4.73% | 0.45% | 0.01% |
United Mississippi Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Mississippi Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 United Mississippi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21083) · FFIEC NIC profile (RSSD 544335)