BlastPoint's Banking Scorecard
United Mississippi Bank
Community
Specialty: Commercial
MS
FDIC cert 21083
Natchez, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
United Mississippi Bank shows strong momentum with 1 strength and 12.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 21% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$555.1M
+12.4% YoY
-3.8% QoQ
|
-$836.3M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$404.1M
+18.5% YoY
-1.5% QoQ
|
-$571.4M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$479.8M
+23.1% YoY
-2.4% QoQ
|
-$684.8M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.04%
+14.2% YoY
-4.4% QoQ
|
-0.12% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
4.55%
+16.3% YoY
+1.5% QoQ
|
+0.88% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
77.73%
-2.9% YoY
+0.8% QoQ
|
+15.10% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.25%
-10.8% YoY
+5.0% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
84.23%
-3.7% YoY
+0.9% QoQ
|
+1.16% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
50.21%
-2.7% YoY
-2.5% QoQ
|
+29.16% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-6.2% YoY
-1.9% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.86%
-2.4% YoY
+37.4% QoQ
|
+0.12% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#32 of 150 · Top 21% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
50.21%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.55%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.21% · Tier avg: 21.05%
88
88th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.66%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
48
48th pctile
Loan-to-Deposit Ratio
Current: 84.23% · Tier avg: 83.06%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
15
15th pctile
Total Loans
Current: $404.1M · Tier avg: $975.5M
13
13th pctile
Efficiency Ratio
Current: 77.73% · Tier avg: 62.63%
10
10th pctile
Total Deposits
Current: $479.8M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $555.1M · Tier avg: $1.4B
Top Weaknesses
8
8th pctile
Total Assets
Current: $555.1M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $479.8M · Tier avg: $1.2B
13
13th pctile
Efficiency Ratio
Current: 77.73% · Tier avg: 62.63%
15
15th pctile
Total Loans
Current: $404.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
48
48th pctile
Loan-to-Deposit Ratio
Current: 84.23% · Tier avg: 83.06%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
88
88th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.66%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.21% · Tier avg: 21.05%