PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.59%Q2 ’244.08%Q2 ’254.47%Q2 ’26+24%+29%

Non-interest income vs. expense

2.26%Q2 ’242.41%Q2 ’252.44%Q2 ’26+4%+7%

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 1.15%, up 41 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.15%+41 bps YoY

Net Interest Margin (quarter, annualized)

3.29%+74 bps YoY

Efficiency Ratio (quarter, annualized)

60.82%-1,108 bps YoY

Tier 1 Leverage Ratio

12.00%+56 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.74%0.83%0.80%1.15%+41 bps
Return on Equity7.59%7.17%7.63%7.52%10.78%+320 bps
Net Interest Margin2.54%2.76%3.02%3.02%3.29%+74 bps
Efficiency Ratio71.90%72.05%69.85%70.97%60.82%-1,108 bps
Non-Interest Burden1.60%1.78%1.87%1.93%1.71%+11 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%0.11%0.05%0.05%0.02%-1 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