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 | |