Yazoo City, MS · Cert 11431 · Yazoo Capital Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
39
Asset Quality
59
Profitability
36
Liquidity
60
Efficiency
47
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.
Yazoo City, MS · Cert 11431 · Yazoo Capital Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Jackson, MS · 2026 SOD (annual) · 1.2% share · #13 of 30 inst. · $0.3B of $23.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.56% | 0.63% | 0.69% | 0.71% | 0.74% | 0.80% | 0.99% | +30 bps | |
| Return on Equity | 5.18% | 6.34% | 6.63% | 7.13% | 7.14% | 7.29% | 7.52% | 9.15% | +202 bps | |
| Net Interest Margin | 2.08% | 2.09% | 2.28% | 2.41% | 2.53% | 2.78% | 3.02% | 3.14% | +73 bps | |
| Efficiency Ratio | 80.45% | 75.95% | 72.78% | 72.31% | 72.22% | 71.59% | 70.97% | 65.68% | -663 bps | |
| Non-Interest Burden | 1.52% | 1.38% | 1.46% | 1.53% | 1.62% | 1.76% | 1.93% | 1.81% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | -3.91% | -3.00% | 4.79% | 1.27% | 0.39% | 1.53% | -0.82% | -560 bps | |
| Loan Growth (YoY) | 4.67% | 4.85% | 6.01% | 2.49% | 2.20% | 3.80% | 10.01% | 18.62% | +1,613 bps | |
| Deposit Growth (YoY) | 0.30% | 0.42% | 0.84% | 7.22% | 0.89% | -1.40% | 0.71% | -2.02% | -925 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.04% | 0.04% | 0.06% | 0.06% | 0.05% | 0.04% | 0 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.20% | 1.22% | 1.17% | 1.18% | 1.13% | 1.04% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 29.7x | 95.0x | 100.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.50% | 11.44% | 11.30% | 11.44% | 11.69% | 12.38% | 11.81% | 12.00% | +56 bps | |
| Total Risk-Based Capital | 11.50% | 11.44% | 11.30% | 11.44% | 11.69% | 12.38% | 11.81% | 12.00% | +56 bps | |
| Equity / Assets | 9.81% | 9.47% | 9.54% | 9.98% | 10.76% | 10.95% | 10.43% | 10.98% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.85% | 57.16% | 53.12% | 54.00% | 58.61% | 60.18% | 58.03% | 65.37% | +1,137 bps | |
| Liquid Assets / Assets | 1.32% | 1.92% | 10.14% | 9.37% | 3.98% | 5.32% | 6.13% | 1.11% | -826 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 107.55% | 116.53% | 127.42% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.98% | 0.72% | 1.06% | 1.45% | Beats 44% | 417 / 746 | ||
| Return on Equity | 8.96% | 6.74% | 10.51% | 13.63% | Beats 40% | 448 / 746 | ||
| Net Interest Margin | 3.14% | 3.17% | 3.68% | 4.16% | Beats 23% | 573 / 746 | ||
| Efficiency Ratio | 65.68% | 55.74% | 64.58% | 75.47% | Beats 47% | 398 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 83% | 127 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 34% | 492 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.00% | 11.55% | 13.75% | 17.60% | Beats 31% | 512 / 746 | ||
| Total Risk-Based Capital Ratio | 12.00% | 11.71% | 14.33% | 18.43% | Beats 28% | 540 / 746 | ||
| Equity / Assets | 10.98% | 8.90% | 10.51% | 13.06% | Beats 57% | 323 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.37% | 61.31% | 78.27% | 90.78% | 30th pctl | 521 / 746 | ||
| Loans / Assets | 57.67% | 53.60% | 66.97% | 76.08% | 32nd pctl | 510 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||