Financial strength ranking · Mississippi · Call Report data as of Q2 2026

Best Banks in Mississippi by Financial Strength

The Jefferson Bank ranks first among the 53 banks headquartered in Mississippi we score, with a financial strength score of 80.3 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: The Jefferson Bank
Its score: 80.3 of 100
Banks scored in Mississippi: 53
Its return on assets: 1.94%

Every scored bank in Mississippi

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Mississippi ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	The Jefferson Bank Greenville	80.3	1.94%	41.16%	16.65%	0.30%	$210.8M
2	Riverhills Bank Vicksburg	74.3	2.28%	44.99%	12.54%	0.38%	$445.2M
3	Citizens Bank Columbia	73.8	2.46%	54.76%	13.48%	0.26%	$466.3M
4	FNB Picayune Bank Picayune	73.7	3.47%	43.34%	15.44%	1.04%	$282.3M
5	Bna Bank New Albany	66.2	1.61%	44.87%	12.49%	0.54%	$855.7M
6	Merchants and Planters Bank Raymond	65.3	1.46%	62.91%	18.17%	0.19%	$199.0M
7	First Southern Bank Columbia	62.6	1.84%	61.36%	10.57%	0.05%	$317.3M
8	Bank of Yazoo City Yazoo City	60.9	1.14%	60.32%	12.00%	0.01%	$318.2M
9	Bank of Brookhaven Brookhaven	60.5	1.23%	61.05%	11.64%	0.01%	$262.2M
10	Commerce Bank Corinth	60.4	2.42%	56.19%	12.46%	1.22%	$167.9M
11	Farmers and Merchants Bank Baldwyn	60.2	1.74%	56.03%	14.19%	1.08%	$565.8M
12	Peoples Bank Mendenhall	60.0	5.14%	50.91%	11.72%	3.40%	$503.5M
13	Bank of Winona Winona	59.7	1.47%	58.17%	13.12%	0.43%	$142.7M
14	Priorityone Bank Magee	55.4	2.14%	58.25%	11.89%	1.43%	$1.18B
15	Hancock Whitney Bank Gulfport	54.0	1.44%	54.37%	10.59%	0.42%	$36.33B
16	First Bank McComb	53.5	1.66%	61.85%	12.96%	1.00%	$562.9M
17	Covington County Bank Collins	53.3	1.47%	57.46%	13.76%	1.46%	$109.2M
18	FNB Oxford Bank Oxford	52.3	0.83%	62.28%	11.87%	0.07%	$939.7M
19	Bank of Commerce Greenwood	51.9	1.09%	57.45%	12.85%	0.56%	$1.13B
20	Renasant Bank Tupelo	50.9	1.40%	53.30%	10.72%	0.75%	$26.99B
21	The Citizens National Bank of Meridian Meridian	50.3	1.70%	62.83%	11.28%	0.76%	$1.89B
22	The Peoples Bank Ripley	50.3	0.95%	54.84%	10.25%	0.14%	$581.8M
23	Bank of Anguilla Anguilla	49.6	1.19%	59.04%	14.67%	1.31%	$192.2M
24	Bank of Forest Forest	49.5	1.54%	59.40%	10.91%	0.73%	$296.3M
25	Planters Bank & Trust Company Indianola	49.2	1.20%	59.15%	11.19%	0.44%	$2.71B
26	The Cleveland State Bank Cleveland	48.0	1.00%	65.17%	11.18%	0.14%	$340.2M
27	Pike National Bank McComb	46.8	1.04%	62.96%	11.73%	0.39%	$408.8M
28	Copiah Bank Hazlehurst	46.7	0.94%	72.37%	11.80%	0.10%	$332.2M
29	The Peoples Bank, Biloxi, Mississippi Biloxi	46.6	0.52%	82.60%	15.22%	0.06%	$770.7M
30	The Commercial Bank De Kalb	45.2	0.90%	62.46%	10.60%	0.17%	$295.5M
31	United Mississippi Bank Natchez	44.9	1.16%	75.40%	11.04%	0.14%	$560.7M
32	BankFirst Financial Services Macon	42.8	1.10%	62.37%	10.86%	0.53%	$3.31B
33	Trustmark Bank Jackson	42.3	1.40%	61.85%	10.40%	0.87%	$19.19B
34	BankPlus Belzoni	41.7	1.15%	63.99%	10.84%	0.56%	$8.38B
35	Guaranty Bank and Trust Company Belzoni	41.7	1.32%	56.33%	10.42%	1.63%	$3.07B
36	The Bank of Holly Springs Holly Springs	41.1	1.21%	64.38%	13.09%	3.43%	$587.5M
37	Century Bank Lucedale	40.6	1.25%	66.49%	10.12%	0.42%	$566.2M
38	Story Bank dba Story Financial Partners Jackson	39.5	0.95%	68.74%	10.81%	0.33%	$1.01B
39	Townbridge Bank Pascagoula	39.4	3.45%	68.83%	8.83%	1.00%	$1.35B
40	Bankokolona Okolona	38.9	1.34%	64.98%	10.09%	0.75%	$359.6M
41	First Security Bank Batesville	38.2	1.24%	62.92%	9.28%	0.42%	$976.5M
42	First National Bank of Clarksdale Clarksdale	38.1	0.63%	75.16%	12.83%	0.41%	$386.1M
43	Bank of Franklin Meadville	37.8	1.11%	66.04%	9.88%	0.38%	$302.3M
44	Community Bank of Mississippi Flowood	36.7	1.18%	63.79%	8.32%	0.27%	$5.09B
45	First Choice Bank Pontotoc	33.7	0.97%	67.42%	9.52%	0.36%	$561.0M
46	Bank of Kilmichael Kilmichael	32.4	1.11%	64.12%	9.12%	0.58%	$341.6M
47	Bank of Wiggins Wiggins	32.0	0.51%	80.83%	12.93%	0.72%	$228.1M
48	The Citizens Bank of Philadelphia Philadelphia	30.3	0.92%	68.59%	9.11%	0.37%	$1.56B
49	First Federal Savings & Loan Association of Pascagoula-Moss Point Pascagoula	24.4	0.41%	81.47%	9.72%	0.33%	$381.4M
50	Grand Bank for Savings, F.S.B. Hattiesburg	23.4	0.47%	88.97%	10.98%	0.81%	$280.4M
51	Great Southern Bank Meridian	22.5	0.69%	79.52%	9.49%	0.54%	$355.1M
52	First State Bank Waynesboro	21.4	0.34%	81.58%	10.67%	0.96%	$951.5M
53	Unity Bank of Mississippi Holly Springs	21.2	0.47%	80.63%	11.04%	1.63%	$281.8M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Mississippi?

By our financial strength score, The Jefferson Bank of Greenville ranks first among the 53 scored banks headquartered in Mississippi, scoring 80.3 out of 100 for Q2 2026: return on assets of 1.94%, an efficiency ratio of 41.16%, a Tier 1 leverage ratio of 16.65% and nonperforming assets of 0.30% of total assets. Riverhills Bank and Citizens Bank rank second and third.

How are the best banks in Mississippi ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Mississippi

Largest banks in Mississippi Bank deposits in Mississippi Largest credit unions in Mississippi Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.