Asset Quality ranking · Mississippi · Call report data as of September 30, 2026
Mississippi Banks: Highest CRE Delinquency
Bank of Kilmichael has the highest commercial real estate noncurrent rate of the 44 ranked banks headquartered in Mississippi, at 4.23% as of September 30, 2026. The median among the 44 ranked Mississippi banks is 0.35%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.07% to 0.87%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Mississippi banks by commercial real estate noncurrent rate. For the largest banks headquartered in Mississippi, see largest banks in Mississippi.
- No. 1 in Mississippi
- Bank of Kilmichael
- Its CRE noncurrent
- 4.23%
- Mississippi median
- 0.35%
- Banks ranked
- 44
Ranked among banks headquartered in Mississippi, numbered 1 to 44 within the state from the same population as the national list. Browse every bank in the Mississippi bank directory.
Top 44 Mississippi banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Mississippi median of 0.35%. Missing values show as a dash and sort last.
| 1 | Bank of Kilmichael Kilmichael, MS | 4.23% | $342.1M $100M to $1B |
| 2 | Farmers and Merchants Bank Baldwyn, MS | 3.25% | $568.6M $100M to $1B |
| 3 | Priorityone Bank Magee, MS | 2.25% | $1.22B $1B to $10B |
| 4 | FNB Picayune Bank Picayune, MS | 1.98% | $281.1M $100M to $1B |
| 5 | The Bank of Holly Springs Holly Springs, MS | 1.88% | $585.9M $100M to $1B |
| 6 | Townbridge Bank Pascagoula, MS | 1.79% | $1.30B $1B to $10B |
| 7 | Peoples Bank Mendenhall, MS | 1.50% | $499.9M $100M to $1B |
| 8 | Bankokolona Okolona, MS | 1.49% | $360.4M $100M to $1B |
| 9 | Guaranty Bank and Trust Company Belzoni, MS | 1.38% | $3.07B $1B to $10B |
| 10 | Story Bank dba Story Financial Partners Jackson, MS | 1.19% | $1.02B $1B to $10B |
| 11 | Bank of Forest Forest, MS | 0.88% | $286.1M $100M to $1B |
| 12 | Bank of Franklin Meadville, MS | 0.87% | $304.2M $100M to $1B |
| 13 | Renasant Bank Tupelo, MS | 0.77% | $27.51B $10B to $100B |
| 14 | The Citizens National Bank of Meridian Meridian, MS | 0.70% | $1.92B $1B to $10B |
| 15 | Bna Bank New Albany, MS | 0.69% | $848.6M $100M to $1B |
| 16 | Bank of Commerce Greenwood, MS | 0.58% | $1.16B $1B to $10B |
| 17 | Riverhills Bank Vicksburg, MS | 0.57% | $460.7M $100M to $1B |
| 18 | First State Bank Waynesboro, MS | 0.50% | $945.8M $100M to $1B |
| 19 | BankPlus Belzoni, MS | 0.48% | $8.30B $1B to $10B |
| 20 | Century Bank Lucedale, MS | 0.46% | $573.0M $100M to $1B |
| 21 | Planters Bank & Trust Company Indianola, MS | 0.42% | $2.75B $1B to $10B |
| 22 | BankFirst Financial Services Macon, MS | 0.38% | $3.40B $1B to $10B |
| 23 | The Jefferson Bank Greenville, MS | 0.33% | $214.8M $100M to $1B |
| 24 | Trustmark Bank Jackson, MS | 0.30% | $19.11B $10B to $100B |
| 25 | Hancock Whitney Bank Gulfport, MS | 0.29% | $38.57B $10B to $100B |
| 26 | Pike National Bank McComb, MS | 0.28% | $413.4M $100M to $1B |
| 27 | Unity Bank of Mississippi Holly Springs, MS | 0.27% | $280.6M $100M to $1B |
| 28 | First Security Bank Batesville, MS | 0.22% | $964.6M $100M to $1B |
| 29 | Community Bank of Mississippi Flowood, MS | 0.18% | $5.20B $1B to $10B |
| 30 | First Bank McComb, MS | 0.17% | $573.9M $100M to $1B |
| 31 | United Mississippi Bank Natchez, MS | 0.14% | $595.1M $100M to $1B |
| 32 | Citizens Bank Columbia, MS | 0.10% | $469.2M $100M to $1B |
| 33 | The Citizens Bank of Philadelphia Philadelphia, MS | 0.08% | $1.55B $1B to $10B |
| 34 | Copiah Bank Hazlehurst, MS | 0.06% | $343.1M $100M to $1B |
| 35 | Bank of Brookhaven Brookhaven, MS | 0.03% | $277.4M $100M to $1B |
| 36 | FNB Oxford Bank Oxford, MS | 0.00% | $924.5M $100M to $1B |
| 37 | The Peoples Bank, Biloxi, Mississippi Biloxi, MS | 0.00% | $775.2M $100M to $1B |
| 38 | The Peoples Bank Ripley, MS | 0.00% | $578.9M $100M to $1B |
| 39 | First Choice Bank Pontotoc, MS | 0.00% | $569.7M $100M to $1B |
| 40 | First National Bank of Clarksdale Clarksdale, MS | 0.00% | $395.8M $100M to $1B |
| 41 | Bank of Yazoo City Yazoo City, MS | 0.00% | $325.6M $100M to $1B |
| 42 | First Southern Bank Columbia, MS | 0.00% | $302.9M $100M to $1B |
| 43 | The Commercial Bank De Kalb, MS | 0.00% | $293.8M $100M to $1B |
| 44 | Merchants and Planters Bank Raymond, MS | 0.00% | $206.3M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 44 banks headquartered in Mississippi that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Mississippi has the highest commercial real estate noncurrent rate?
Bank of Kilmichael has the highest commercial real estate noncurrent rate of the 44 ranked banks headquartered in Mississippi, at 4.23% as of September 30, 2026, according to its FFIEC call report. Farmers and Merchants Bank ranks second at 3.25%. The median is 0.35%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Mississippi rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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