Amory First Savings and Loan Bank, SSB
Amory, MS · Cert 28949 · Peer group: banks under $1B in assets (n=581-629)
State charter, Fed member · FED · 1 branch
Q2 2026
$78.7MAssets
$62.3MLoans
$68.1MDeposits
$10.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 70% of banks under $1B in assets (rank 186 of 629).
- Widest gap: net interest margin trails 89% of banks under $1B in assets (rank 561 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.60%
Rank 471 of 629
Net Interest Margin
2.56%
Rank 561 of 629
Efficiency Ratio
73.08%
Rank 396 of 629
Equity / Assets
12.92%
Rank 186 of 629
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 37% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.60% | 1.01% | 1.45% | Beats 25% | 471 / 629 | | |
| Return on Equity | 4.68% | 5.38% | 9.30% | 13.28% | Beats 21% | 495 / 629 | | |
| Net Interest Margin | 2.56% | 3.03% | 3.54% | 4.05% | Beats 11% | 561 / 629 | | |
| Efficiency Ratio | 73.08% | 58.35% | 67.79% | 79.08% | Beats 37% | 396 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.37% | 0.09% | 0.46% | 1.20% | Beats 21% | 460 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 44% | 325 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.11% | 11.24% | 13.84% | 18.77% | Beats 45% | 346 / 629 | | |
| Total Risk-Based Capital Ratio | 13.11% | 11.58% | 14.43% | 19.66% | Beats 40% | 378 / 629 | | |
| Equity / Assets | 12.92% | 9.09% | 10.65% | 13.80% | Beats 70% | 186 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.45% | 67.24% | 80.90% | 93.48% | 72nd pctl | 166 / 594 | | |
| Loans / Assets | 79.09% | 53.31% | 67.71% | 78.15% | 79th pctl | 135 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |