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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.90% | 1.27% | 1.15% | 0.99% | 1.14% | 1.40% | 1.14% | -1 bps | |
| Return on Equity | 9.35% | 8.57% | 12.03% | 10.50% | 8.79% | 9.96% | 12.37% | 10.09% | -40 bps | |
| Net Interest Margin | 3.19% | 3.21% | 3.28% | 3.48% | 3.63% | 3.72% | 3.59% | 3.64% | +16 bps | |
| Efficiency Ratio | 68.70% | 70.01% | 61.85% | 64.93% | 61.79% | 66.54% | 59.88% | 64.06% | -88 bps | |
| Non-Interest Burden | 1.91% | 1.98% | 1.59% | 1.94% | 1.87% | 2.15% | 1.71% | 2.01% | +7 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 | 0.02% | 0.07% | 0.07% | 0.04% | 0.06% | 0.20% | 0.02% | 0.08% | +4 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 | |