BankPlus: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
BankPlus, based in Belzoni, Mississippi, reported $8.4 billion in assets at June 30, 2026, up 6.8% from a year earlier. It holds about a fifth of its deposits (19%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%).
Deposits are coming in faster than loans: over the year loans rose 4.5% and deposits rose 8.5%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.62% of loans from 0.38% a year earlier.
As of June 30, 2026, BankPlus reported a return on assets of 1.15%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 4.82%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 202 E Jackson St, Belzoni, MS 39038
- County
- Humphreys
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1909
- Former names
- Citizens National Bank of Belzoni (1965-1994)
- Offices
- 74 domestic
- Employees (FTE)
- 1,023
- Domestic deposits
- $7.35B
- Allowance for credit losses
- $71.9M
- Net charge-offs (YTD)
- $1.7M
- Average total assets
- $8.27B
- Average total loans
- $6.37B
- Average interest-bearing deposits
- $5.89B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5903
- Fed RSSD
- 121642
- SEC CIK
- 1118004 → filed by BANCPLUS CORPORATION
- Website
- http://www.bankplus.net →
- Parent Holding Company
- BANCPLUS CORPORATION (RSSD 1097306)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full BankPlus terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BankPlus, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
BankPlus rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.84% | 1.15% | 0.53% | 4.82% | 3.82% |
| Q1 2026 | 10.77% | 1.40% | 0.48% | 3.86% | 3.77% |
| Q4 2025 | 10.91% | 1.14% | 0.45% | 3.45% | 3.90% |
| Q3 2025 | 10.84% | 1.00% | 0.79% | 3.99% | 3.81% |
| Q2 2025 | 10.52% | 1.15% | 0.94% | 3.49% | 3.66% |
| Q1 2025 | 10.37% | 1.28% | 0.86% | 3.43% | 3.45% |
| Q4 2024 | 10.13% | 0.89% | 0.45% | 3.70% | 3.37% |
| Q3 2024 | 10.09% | 0.97% | 0.38% | 3.19% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 73 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Northpark Branch | Covington , LA | 70433 | $570.2M |
| The District Branch | Jackson , MS | 39211 | $488.9M |
| Renaissance at Colony Park Branch | Ridgeland , MS | 39157 | $482.4M |
| Clinton Boulevard Branch | Clinton , MS | 39056 | $225.0M |
| Jerry Clower Boulevard | Yazoo City , MS | 39194 | $212.5M |
| Spillway Road Branch | Brandon , MS | 39047 | $200.5M |
| Olive Branch Main Branch | Olive Branch , MS | 38654 | $192.5M |
| Brookhaven South Railroad Main Branch | Brookhaven , MS | 39601 | $181.3M |
| Flora Branch | Flora , MS | 39071 | $178.6M |
| Highway 43 South Branch | Picayune , MS | 39466 | $160.9M |
| Fairpark Branch | Tupelo , MS | 38804 | $151.1M |
| Jsu Branch | Jackson , MS | 39203 | $138.3M |
| Canton Branch | Canton , MS | 39046 | $133.7M |
| Strawberry Hill Drive Branch | Madison , MS | 39110 | $130.4M |
| St Francis Street Branch | Mobile , AL | 36602 | $126.6M |
| Lexington Branch | Lexington , MS | 39095 | $124.4M |
| Castlewoods Branch | Flowood , MS | 39232 | $121.7M |
| Gluckstadt Branch | Madison , MS | 39110 | $121.5M |
| Jackson Street Branch | Ridgeland , MS | 39157 | $116.6M |
| Geneva South Commerce Branch | Geneva , AL | 36340 | $115.6M |
| Hwy 463 Branch | Madison , MS | 39110 | $111.5M |
| Greenfield Road Branch | Brandon , MS | 39042 | $111.3M |
| Byram Branch | Byram , MS | 39272 | $111.1M |
| South Archusa Avenue Branch | Quitman , MS | 39355 | $108.5M |
| Cleveland North Davis Ave Branch | Cleveland , MS | 38732 | $104.7M |
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 |
|---|---|---|---|
| March 1, 2022 | M&A | Acquired First Bank and Trust merger for the acquired bank | SEC |
| March 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2022 | Structure Change | Acquired First Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2020 | M&A | Acquired State Bank & Trust Company merger for the acquired bank | SEC |
| April 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Structure Change | Acquired State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 26, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 2000 | M&A | Acquired First National Bank of Holmes County merger for the acquired bank | SEC |
| June 24, 2000 | Structure Change | Acquired First National Bank of Holmes County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 1996 | M&A | Acquired BankPlus SSB merger for the acquired bank | SEC |
| November 22, 1996 | Structure Change | Acquired BankPlus SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 1994 | M&A | Acquired Southeast Mississippi Bank merger for the acquired bank | SEC |
| October 6, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 1994 | Structure Change | Acquired Southeast Mississippi Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 1993 | M&A | Acquired Bank of Flora merger for the acquired bank | SEC |
| May 3, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 3, 1993 | Structure Change | Acquired Bank of Flora Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 1990 | M&A | Acquired Unifirst Bank for Savings, a Federal Savings and Loan failure_government_assistance_provided for the acquired bank | SEC |
| June 16, 1990 | Structure Change | Acquired Unifirst Bank for Savings, a Federal Savings and Loan Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for BankPlus, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.6% of deposits in MS, rank 5 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,742 applications, 2,733 loans originated, $735.5M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.9M approved, $975K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about BankPlus
What are BankPlus's total assets?
As of the Q2 2026 filing, BankPlus reported total assets of $8.38 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BankPlus headquartered?
BankPlus is headquartered in Belzoni, MS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was BankPlus founded?
BankPlus was established in 1909, per the FDIC institution directory.
Is BankPlus FDIC-insured?
Yes. BankPlus is an FDIC-insured commercial bank (FDIC Certificate #5903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BankPlus?
BankPlus's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does BankPlus operate?
BankPlus operates 74 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BankPlus's Texas Ratio?
BankPlus's Texas Ratio is 4.82% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was BankPlus previously called?
The charter now named BankPlus has also operated as Citizens National Bank of Belzoni (1965-1994), per FDIC structure-change records.
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