Pontotoc, MS · Cert 5006 · Pontotoc Bancshares Corp.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.0% share · #45 of 48 inst. · $0.0B of $46.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.88% | 0.77% | -0.24% | 0.97% | -2 bps | |
| Return on Equity | 11.93% | 9.93% | 8.57% | -2.85% | 12.02% | +9 bps | |
| Net Interest Margin | 3.56% | 3.63% | 3.62% | 3.32% | 3.51% | -5 bps | |
| Efficiency Ratio | 66.12% | 72.09% | 76.42% | 107.69% | 68.15% | +203 bps | |
| Non-Interest Burden | 2.12% | 2.42% | 2.62% | 3.62% | 2.20% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.00% | 2.69% | 6.59% | 8.94% | 12.21% | +1,021 bps | |
| Loan Growth (YoY) | 21.49% | 17.78% | 14.99% | 13.79% | 19.04% | -244 bps | |
| Deposit Growth (YoY) | 1.33% | 2.39% | 5.86% | 9.20% | 12.87% | +1,153 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.45% | 0.42% | 0.45% | 0.78% | 0.31% | -15 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.07% | 0.04% | 0.14% | +8 bps | |
| Allowance / Loans | 1.16% | 1.18% | 1.15% | 1.11% | 0.99% | -18 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.8x | 2.6x | 1.4x | 3.2x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.39% | 10.63% | 10.23% | 9.55% | 9.52% | -86 bps | |
| Total Risk-Based Capital | 10.39% | 10.63% | 10.23% | 9.55% | 9.52% | -86 bps | |
| Equity / Assets | 8.60% | 9.18% | 8.73% | 7.90% | 8.19% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.55% | 78.11% | 77.03% | 73.13% | 79.69% | +414 bps | |
| Liquid Assets / Assets | 0.37% | 0.16% | 1.02% | 5.59% | 1.38% | +101 bps | |
| CRE / Total Capital | n/a | 265% | 288% | 309% | n/a | n/a | |