BlastPoint

BlastPoint's Banking Scorecard

Bank of Yazoo City

$100M-$1B Specialty: Other MS FDIC cert 11431

Yazoo City, MS

5 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits -2.0% year over year ($280.7M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 0.99%.
  • Efficiency ratio 65.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 64.69% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

Bank of Yazoo City has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 18.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.8% in tier
  • - Flatlined Growth: Bottom 24.6% in tier
  • - ROA 0.34% below tier average
  • - Net Interest Margin 0.51% below tier average
  • - Efficiency Ratio 1.20% above tier average
Get updates when Bank of Yazoo City releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $318.2M
-0.8% YoY -2.4% QoQ
-$68.3M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $181.6M
+18.8% YoY +9.0% QoQ
-$76.7M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $280.7M
-2.0% YoY -3.3% QoQ
-$46.0M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 0.99%
+43.1% YoY +22.9% QoQ
-0.34% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 3.48%
+29.3% YoY +4.7% QoQ
-0.51% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 65.68%
-9.2% YoY -7.5% QoQ
+1.20% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.01%
-12.8% QoQ
-0.91% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
Top 14.5% in tier
Loan-to-Deposit Ratio ? 64.69%
+21.3% YoY +12.7% QoQ
-13.26% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 27.72%
+8.8% YoY +0.2% QoQ
+5.69% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
75%
Nonperforming Asset Ratio ? 0.01%
-2.7% QoQ
-0.66% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
Top 12.8% in tier
Tier 1 Capital Ratio ? 12.00%
+4.9% YoY +1.6% QoQ
-3.91% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.37%
-5.0% YoY +108.7% QoQ
-0.20% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Noninterest-Bearing 27.7%
+2.2pp YoY
0.0pp QoQ
 +5.6pp 22.1% 23.1% 22.2% 75%
Brokered Deposits n/a n/a 7.9% 3.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 13.2%
-3.5pp YoY
+3.4pp QoQ
 +1.6pp 11.6% 12.4% 12.5% 69%
CRE 29.7%
+5.5pp YoY
+0.6pp QoQ
 -9.8pp 39.5% 42.3% 41.4% 34%
1-4 Family 39.6%
+0.8pp YoY
-2.5pp QoQ
 +7.0pp 32.6% 33.1% 31.3% 69%
Consumer 1.9%
-0.5pp YoY
-0.1pp QoQ
 -2.2pp 4.1% 5.6% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 12.0%
+0.6pp YoY
+0.2pp QoQ
 -0.2pp 12.2% 11.9% 12.6% 65%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 42
-1 (-2.3%) YoY
+1 (+2.4%) QoQ
 -17 58 297 482 44%
Assets per Employee ($) $7.6M
+1.5% YoY
-4.7% QoQ
 +$59K $7.5M $6.2M $8.8M 62%
Branch Count 5
0 YoY
0 QoQ
 0 4 22 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 18%
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage 100.53x
+5.8% QoQ
 +76.37x 24.15x 4.87x 20.23x 96%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 9.1%
+2.0pp YoY
+1.6pp QoQ
 -3.1pp 12.2% 11.7% 11.6% 31%
Cost of Funds (YTD) 1.3%
-0.4pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 24%
Net Income ($, YTD) $1.6M
+43.7% YoY
— QoQ
 -$990K $2.6M $13.8M $40.4M 43%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#125 of 659 • Top 18.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#24 of 1256 • Bottom 1.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#131 of 529 • Bottom 24.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.99%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

339
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#339 of 2643 Top 12.8% in $100M-$1B
382
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#382 of 2633 Top 14.5% in $100M-$1B
486
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#486 of 2643 Top 18.4% in $100M-$1B
613
Loan-to-Deposit Ratio
liquidity
Value: 64.69%
Peer Median: 77.95%
#613 of 2643 Top 23.2% in $100M-$1B
651
Non-Interest-Bearing Deposit Share
funding
Value: 27.72%
Peer Median: 22.03%
#651 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026