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
Unfavorable gap of $5.9M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |