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Bank Of Yazoo City
Yazoo City, MS · FDIC Certificate #11431 · Chartered 04/1
Total assets
$318.23M
Total deposits
$280.74M
Total equity
$34.93M
Net loans
$181.61M
Branches (offices)
5
Net income (YTD)
$1.56M
Rank: #2,382 of 4,213 U.S. banks by assets · #38 of 57 in Mississippi. Assets changed -0.8% and deposits -2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 9.14% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 10.98% |
| Tier 1 leverage ratio | 12.00% |
| Uninsured deposits (share of deposits) | 35.0% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 64.7% |
| Real estate loans (share of loans) | 82.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $149.34M | 82.2% | |
| Commercial & industrial | $23.93M | 13.2% | |
| Consumer / individual | $3.54M | 1.9% | |
| Construction & development | $10.95M | 6.0% | |
| Agricultural | $2.86M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $312.06M | $286.29M | $1.47M | $24.02M |
| Jun 2023 | $321.01M | $275.00M | $1.11M | $23.97M |
| Jun 2024 | $306.20M | $267.23M | $762.00K | $27.40M |
| Jun 2025 | $320.85M | $286.54M | $1.09M | $32.01M |
| Jun 2026 | $318.23M | $280.74M | $1.56M | $34.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $280.74M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $280.74M.
Similar-sized banks
Community State Bank Of Rock Falls ($318.39M) · Tnbank ($318.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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