BlastPoint's Banking Scorecard

Bank of Yazoo City

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

Yazoo City, MS

5 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

Bank of Yazoo City has 1 strength but faces 6 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 17.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.2% in tier
- Credit Risk Growth: Bottom 35.6% in tier
- Flatlined Growth: Bottom 38.7% in tier
- ROA 0.47% below tier average
- Net Interest Margin 0.61% below tier average
- Efficiency Ratio 5.69% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$326.0M +1.5% YoY +5.8% QoQ	-$60.1M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$166.6M +10.1% YoY +3.2% QoQ	-$89.1M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$290.4M +0.7% YoY +7.0% QoQ	-$37.6M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	0.80% +27.2% YoY +8.6% QoQ	-0.47%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	3.32% +30.0% YoY +13.9% QoQ	-0.61%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	70.97% -2.5% YoY -0.9% QoQ	+5.69%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.01% -70.2% QoQ	-0.88%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	Top 14.2% in tier
Loan-to-Deposit Ratio ?	57.38% +9.3% YoY -3.5% QoQ	-19.26%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	27.67% +5.8% YoY +0.3% QoQ	+5.65%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.01% -70.9% QoQ	-0.63%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	Top 12.7% in tier
Tier 1 Capital Ratio ?	11.81% +4.5% YoY -4.6% QoQ	-4.02%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.18% -2.4% YoY -77.6% QoQ	-0.10%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#119 of 664 • Top 17.8% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk

#30 of 1308 • Bottom 2.2% 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: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#347 of 973 • Bottom 35.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#199 of 512 • Bottom 38.7% 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: 0.80%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

340

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#340 of 2664 Top 12.7% in $100M-$1B

378

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#378 of 2654 Top 14.2% in $100M-$1B

429

Loan-to-Deposit Ratio

liquidity

Value: 57.38%

Peer Median: 76.64%

#429 of 2664 Top 16.1% in $100M-$1B

512

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#512 of 2664 Top 19.2% in $100M-$1B

652

Non-Interest-Bearing Deposit Share

funding

Value: 27.67%

Peer Median: 22.02%

#652 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (1 metrics)

2060

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.93%

#2060 of 2664 Bottom 22.7% in $100M-$1B