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Bank of Yazoo City

Yazoo City, MS · Cert 11431 · Yazoo Capital Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Yazoo City

Yazoo City, MS · Cert 11431 · Yazoo Capital Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$318.2MAssets
$183.5MLoans
$280.7MDeposits
$34.9MEquity
Loan mix
88%RE $141.8M10%C&I $16.3M2%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $202.9M28%Noninterest $77.8MQ2 2025Q2 2026

NIM

3.60%Q2 ’243.93%Q2 ’254.31%Q2 ’26+18%+30%

Non-interest income vs. expense

2.20%Q2 ’242.29%Q2 ’252.53%Q2 ’26+3%+19%

Market Position · Jackson, MS · 2026 SOD (annual) · 1.2% share · #13 of 30 inst. · $0.3B of $23.5B

47.8% Yazoo
0.6% Rankin
0.1% Madison

Executive Summary

  • Earnings: ROA of 0.99%, up 30 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.00%, up 56 bps from a year ago.
  • Funding: loans stand at 65.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+73 bps YoY

Efficiency Ratio (YTD, annualized)

65.68%-663 bps YoY

Tier 1 Leverage Ratio

12.00%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.71%0.74%0.80%0.99%+30 bps
Return on Equity7.13%7.14%7.29%7.52%9.15%+202 bps
Net Interest Margin2.41%2.53%2.78%3.02%3.14%+73 bps
Efficiency Ratio72.31%72.22%71.59%70.97%65.68%-663 bps
Non-Interest Burden1.53%1.62%1.76%1.93%1.81%+29 bps
Growth
Asset Growth (YoY)4.79%1.27%0.39%1.53%-0.82%-560 bps
Loan Growth (YoY)2.49%2.20%3.80%10.01%18.62%+1,613 bps
Deposit Growth (YoY)7.22%0.89%-1.40%0.71%-2.02%-925 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.04%0.01%0.01%+1 bps
Net Charge-Offs / Loans0.04%0.06%0.06%0.05%0.04%0 bps
Allowance / Loans1.22%1.17%1.18%1.13%1.04%-18 bps
Allowance Coverage of NPLsn/an/a29.7x95.0x100.5xn/a
Capital
Tier 1 Leverage Ratio11.44%11.69%12.38%11.81%12.00%+56 bps
Total Risk-Based Capital11.44%11.69%12.38%11.81%12.00%+56 bps
Equity / Assets9.98%10.76%10.95%10.43%10.98%+100 bps
Liquidity & Funding
Loans / Deposits54.00%58.61%60.18%58.03%65.37%+1,137 bps
Liquid Assets / Assets9.37%3.98%5.32%6.13%1.11%-826 bps
CRE / Total Capitaln/a107.55%116.53%127.42%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Yazoo City

Yazoo City, MS · Cert 11431 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Yazoo Capital Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$318.2MAssets
$183.5MLoans
$280.7MDeposits
$34.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets operating in a single state (rank 127 of 743).
  • Widest gap: net interest margin trails 77% of banks under $1B in assets operating in a single state (rank 573 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.98%

Rank 417 of 746

Net Interest Margin

3.14%

Rank 573 of 746

Efficiency Ratio

65.68%

Rank 398 of 746

Equity / Assets

10.98%

Rank 323 of 746

Non-interest income vs. expense

$2.3M$8.2MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state
Bank 65.68%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.72%1.06%1.45%Beats 44%417 / 746
Return on Equity8.96%6.74%10.51%13.63%Beats 40%448 / 746
Net Interest Margin3.14%3.17%3.68%4.16%Beats 23%573 / 746
Efficiency Ratio65.68%55.74%64.58%75.47%Beats 47%398 / 746
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.42%1.07%Beats 83%127 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 34%492 / 743
Capital
Tier 1 Capital Ratio12.00%11.55%13.75%17.60%Beats 31%512 / 746
Total Risk-Based Capital Ratio12.00%11.71%14.33%18.43%Beats 28%540 / 746
Equity / Assets10.98%8.90%10.51%13.06%Beats 57%323 / 746
Liquidity & Funding
Loans / Deposits65.37%61.31%78.27%90.78%30th pctl521 / 746
Loans / Assets57.67%53.60%66.97%76.08%32nd pctl510 / 746
Brokered Deposits / Depositsn/aNot reported for this institution