Belzoni, MS · Cert 5903 · Bancplus Corp.
State charter, Fed member · FED · 73 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
33
Profitability
52
Liquidity
95
Efficiency
41
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Belzoni, MS · Cert 5903 · Bancplus Corp.
State charter, Fed member · FED · 73 branches
Q2 2026
Market Position · Jackson, MS · 2026 SOD (annual) · 14.5% share · #2 of 30 inst. · $3.4B 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 | 0.95% | 0.94% | 1.27% | 1.21% | 1.14% | 1.14% | 1.40% | 1.27% | +6 bps | |
| Return on Equity | 9.25% | 9.09% | 12.03% | 11.26% | 10.41% | 10.30% | 12.37% | 11.23% | -3 bps | |
| Net Interest Margin | 3.10% | 3.10% | 3.28% | 3.37% | 3.49% | 3.51% | 3.59% | 3.60% | +23 bps | |
| Efficiency Ratio | 68.46% | 68.86% | 61.85% | 63.39% | 62.85% | 63.80% | 59.88% | 61.94% | -145 bps | |
| Non-Interest Burden | 1.82% | 1.85% | 1.59% | 1.76% | 1.81% | 1.88% | 1.71% | 1.85% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.58% | 3.71% | 3.02% | 1.02% | -0.21% | 1.92% | 3.16% | 6.80% | +578 bps | |
| Loan Growth (YoY) | 0.13% | 0.93% | 0.55% | -0.74% | 1.15% | 2.55% | 3.45% | 4.45% | +520 bps | |
| Deposit Growth (YoY) | 9.01% | 6.61% | 3.88% | 1.69% | 0.77% | 2.64% | 4.73% | 8.45% | +677 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.38% | 0.35% | 0.39% | 0.48% | 0.44% | 0.53% | 0.64% | +25 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.07% | 0.05% | 0.06% | 0.09% | 0.02% | 0.05% | 0 bps | |
| Allowance / Loans | 1.16% | 1.17% | 1.17% | 1.16% | 1.18% | 1.13% | 1.13% | 1.12% | -4 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.1x | 3.4x | 3.0x | 2.5x | 2.5x | 2.1x | 1.8x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.09% | 10.13% | 10.37% | 10.52% | 10.84% | 10.91% | 10.77% | 10.84% | +32 bps | |
| Total Risk-Based Capital | 10.09% | 10.13% | 10.37% | 10.52% | 10.84% | 10.91% | 10.77% | 10.84% | +32 bps | |
| Equity / Assets | 10.43% | 10.48% | 10.68% | 11.21% | 11.40% | 11.42% | 11.27% | 11.25% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.45% | 89.99% | 88.38% | 90.63% | 90.79% | 89.91% | 87.30% | 87.28% | -334 bps | |
| Liquid Assets / Assets | 4.79% | 4.55% | 6.86% | 3.65% | 3.49% | 3.58% | 4.66% | 3.76% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 382% | 378% | 370% | n/a | n/a | |
Belzoni, MS · Cert 5903 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bancplus Corp.
State charter, Fed member · FED · 73 branches
Q2 2026
Return on Assets
1.25%
Rank 125 of 258
Net Interest Margin
3.60%
Rank 106 of 258
Efficiency Ratio
62.32%
Rank 153 of 257
Equity / Assets
11.25%
Rank 89 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.93% | 1.23% | 1.54% | Beats 52% | 125 / 258 | n/a | |
| Return on Equity | 11.11% | 9.26% | 11.84% | 14.74% | Beats 44% | 145 / 258 | n/a | |
| Net Interest Margin | 3.60% | 3.16% | 3.49% | 3.88% | Beats 59% | 106 / 258 | n/a | |
| Efficiency Ratio | 62.32% | 51.71% | 60.30% | 69.65% | Beats 41% | 153 / 257 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.64% | 0.19% | 0.46% | 0.90% | Beats 32% | 177 / 258 | n/a | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 34% | 172 / 258 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.84% | 11.41% | 12.98% | 15.12% | Beats 18% | 211 / 258 | n/a | |
| Total Risk-Based Capital Ratio | 10.84% | 12.10% | 13.91% | 16.08% | Beats 15% | 220 / 258 | n/a | |
| Equity / Assets | 11.25% | 9.09% | 10.24% | 11.72% | Beats 66% | 89 / 258 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.28% | 73.24% | 86.34% | 95.95% | 54th pctl | 119 / 258 | n/a | |
| Loans / Assets | 76.57% | 63.01% | 72.27% | 78.40% | 67th pctl | 85 / 258 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||