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United Mississippi Bank
Natchez, MS · FDIC Certificate #21083 · Chartered 05/1
Total assets
$560.70M
Total deposits
$478.88M
Total equity
$64.32M
Net loans
$410.39M
Branches (offices)
13
Net income (YTD)
$3.22M
Rank: #1,642 of 4,213 U.S. banks by assets · #26 of 57 in Mississippi. Assets changed 2.8% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 10.22% |
| Net interest margin (YTD) | 4.67% |
| Equity to assets | 11.47% |
| Tier 1 leverage ratio | 11.04% |
| Uninsured deposits (share of deposits) | 18.6% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 85.7% |
| Real estate loans (share of loans) | 86.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $354.38M | 86.4% | |
| Commercial & industrial | $33.33M | 8.1% | |
| Consumer / individual | $13.21M | 3.2% | |
| Construction & development | $12.16M | 3.0% | |
| Agricultural | $10.37M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $471.33M | $419.89M | $1.90M | $47.68M |
| Jun 2023 | $458.70M | $354.80M | $2.15M | $46.64M |
| Jun 2024 | $451.83M | $364.31M | $1.99M | $53.54M |
| Jun 2025 | $545.60M | $479.14M | $2.81M | $59.06M |
| Jun 2026 | $560.70M | $478.88M | $3.22M | $64.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $419.78M | 10 |
| Louisiana | $59.10M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $478.88M.
Similar-sized banks
First Choice Bank ($561.00M) · West Point Bank ($560.61M)
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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