First National Bank of South Mississippi, The
Hattiesburg, MS · Cert 34217 · Peer group: banks $1B-$10B in assets (n=289-295)
FDIC · 115 branches
Q1 2025
$7.9BAssets
$5.4BLoans
$6.5BDeposits
$1.1BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 92% of banks $1B-$10B in assets (rank 25 of 295).
- Widest gap: efficiency ratio trails 98% of banks $1B-$10B in assets (rank 287 of 293).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.02%
Rank 284 of 295
Net Interest Margin
3.07%
Rank 164 of 295
Efficiency Ratio
96.60%
Rank 287 of 293
Equity / Assets
13.90%
Rank 25 of 295
Non-interest income vs. expense
Unfavorable gap of $225.8M · efficiency ratio beats 2% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.66% | 0.99% | 1.28% | Beats 4% | 284 / 295 | | |
| Return on Equity | 0.16% | 6.86% | 10.32% | 12.56% | Beats 4% | 284 / 295 | | |
| Net Interest Margin | 3.07% | 2.78% | 3.17% | 3.67% | Beats 44% | 164 / 295 | | |
| Efficiency Ratio | 96.60% | 55.64% | 64.40% | 72.15% | Beats 2% | 287 / 293 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.14% | 0.43% | 0.88% | Beats 43% | 167 / 289 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.03% | Beats 35% | 188 / 289 | | |
| Capital |
| Tier 1 Capital Ratio | 13.79% | 11.30% | 12.70% | 14.80% | Beats 65% | 103 / 295 | | |
| Total Risk-Based Capital Ratio | 14.69% | 12.21% | 13.57% | 15.83% | Beats 63% | 110 / 295 | | |
| Equity / Assets | 13.90% | 8.74% | 9.92% | 11.39% | Beats 92% | 25 / 295 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.24% | 77.01% | 86.08% | 94.78% | 40th pctl | 175 / 290 | | |
| Loans / Assets | 67.85% | 65.46% | 73.72% | 80.10% | 31st pctl | 200 / 289 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |