Bay Springs, MS · Cert 22081
FDIC · 8 branches
Q2 2025
Market Position · Hattiesburg, MS · 2025 SOD (annual) · 2.8% share · #9 of 20 inst. · $0.1B of $4.4B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.15% | 0.98% | 0.84% | 0.81% | 0.80% | -0.17% | -1.95% | -279 bps | |
| Return on Equity | 13.83% | 11.67% | 9.58% | 8.27% | 7.89% | 7.71% | -1.66% | -19.07% | -2,733 bps | |
| Net Interest Margin | 3.37% | 3.38% | 3.38% | 3.39% | 3.46% | 3.50% | 3.58% | 3.65% | +26 bps | |
| Efficiency Ratio | 60.09% | 65.63% | 69.17% | 70.77% | 72.17% | 73.38% | 104.24% | 141.06% | +7,030 bps | |
| Non-Interest Burden | 1.48% | 1.79% | 2.16% | 2.22% | 2.34% | 2.41% | 3.75% | 5.37% | +314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.55% | 3.74% | 3.13% | 5.91% | 6.24% | 4.52% | 4.17% | -0.51% | -643 bps | |
| Loan Growth (YoY) | 10.28% | 10.21% | 5.83% | 8.09% | 6.70% | 3.25% | 2.33% | 2.12% | -597 bps | |
| Deposit Growth (YoY) | -0.68% | 2.90% | 2.32% | 5.23% | 5.37% | 4.16% | 3.82% | -0.87% | -610 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.27% | 0.44% | 0.21% | 0.13% | 0.17% | 0.24% | 0.19% | -3 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.13% | 0.11% | 0.08% | 0.14% | 0.11% | 0.02% | 0.12% | +3 bps | |
| Allowance / Loans | 1.03% | 1.00% | 0.83% | 0.88% | 0.85% | 0.86% | 0.85% | 0.89% | +1 bps | |
| Allowance Coverage of NPLs | 4.9x | 3.6x | 1.9x | 4.1x | 6.7x | 5.0x | 3.6x | 4.8x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.37% | 11.45% | 11.29% | 11.18% | 11.34% | 11.42% | 11.10% | 10.08% | -110 bps | |
| Total Risk-Based Capital | 16.51% | 16.26% | 16.21% | 15.94% | 16.24% | 16.50% | 16.18% | 15.01% | -93 bps | |
| Equity / Assets | 9.84% | 10.45% | 10.06% | 10.03% | 10.61% | 10.69% | 10.30% | 9.75% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.55% | 87.29% | 83.34% | 83.87% | 84.60% | 86.53% | 82.15% | 86.40% | +253 bps | |
| Liquid Assets / Assets | 1.74% | 1.72% | 1.56% | 1.53% | 0.90% | 0.73% | 0.70% | 0.71% | -82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |