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BNA Bank

$100M-$1B Specialty: Commercial MS FDIC cert 19448

Designations: ✓ CDFI-certified

New Albany, MS

8 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS
View $100M-$1B leaderboard (MS) →

BNA Bank has 3 strengths but faces 1 concern

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

  • + Efficiency Ratio 20.70% below tier average
  • + ROA 0.37% above tier average
  • + Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.19% below tier average
Get updates when BNA Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $841.4M
+5.9% YoY -1.4% QoQ
+$455.3M $386.1M
+0.5% YoY
$2.3B
+11.5% YoY
$6.2B
+9.1% YoY
Top 6.3% in tier
Total Loans ? $540.0M
+17.2% YoY +1.1% QoQ
+$284.3M $255.7M
+1.1% YoY
$1.5B
+13.2% YoY
$3.2B
+10.8% YoY
Top 8.5% in tier
Total Deposits ? $714.6M
+2.8% YoY +2.4% QoQ
+$386.6M $328.0M
+0.1% YoY
$1.9B
+10.5% YoY
$4.8B
+8.2% YoY
Top 5.9% in tier
Return on Assets ? 1.64%
-3.8% YoY +19.6% QoQ
+0.37% 1.27%
+12.9% YoY
1.16%
+5.3% YoY
1.23%
+13.4% YoY
75%
Net Interest Margin ? 3.74%
+9.7% YoY +5.0% QoQ
-0.19% 3.93%
+6.0% YoY
3.97%
+6.6% YoY
3.89%
+5.7% YoY
44%
Efficiency Ratio ? 44.58%
-6.3% YoY -8.5% QoQ
-20.70% 65.29%
-4.5% YoY
67.65%
-1.2% YoY
66.95%
-4.1% YoY
Top 8.5% in tier
Delinquency Rate ? 0.74%
-19.0% YoY -62.5% QoQ
-0.15% 0.89%
+18.8% YoY
1.06%
+2.0% YoY
0.95%
+18.8% YoY
35%
Loan-to-Deposit Ratio ? 75.57%
+14.1% YoY -1.3% QoQ
-1.07% 76.64%
+0.8% YoY
70.20%
+3.2% YoY
76.70%
+0.9% YoY
56%
Non-Interest-Bearing Deposit Share ? 15.08%
+2.3% YoY -1.2% QoQ
-6.94% 22.02%
-1.0% YoY
22.68%
-1.8% YoY
22.01%
-1.2% YoY
25%
Nonperforming Asset Ratio ? 0.57%
-13.2% YoY -57.2% QoQ
-0.06% 0.64%
+19.7% YoY
0.74%
+0.7% YoY
0.67%
+19.3% YoY
34%
Tier 1 Capital Ratio ? 17.60%
-3.3% YoY +4.3% QoQ
+1.77% 15.83%
+1.5% YoY
13.90%
-1.0% YoY
17.06%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.13%
+3.0% YoY -74.2% QoQ
-0.15% 0.28%
+9.3% YoY
0.17%
-9.5% YoY
0.32%
+4.1% YoY
68%

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

159
Total Deposits
size
Value: $714.57M
Peer Median: $327.97M
#159 of 2664 Top 5.9% in $100M-$1B
170
Total Assets
size
Value: $841.35M
Peer Median: $386.08M
#170 of 2664 Top 6.3% in $100M-$1B
227
Efficiency Ratio
profitability
Value: 44.58%
Peer Median: 65.29%
#227 of 2664 Top 8.5% in $100M-$1B
228
Total Loans
size
Value: $540.02M
Peer Median: $255.72M
#228 of 2664 Top 8.5% in $100M-$1B
538
Tier 1 Capital Ratio
capital
Value: 17.60%
Peer Median: 15.83%
#538 of 2664 Top 20.2% in $100M-$1B

Top Weaknesses (1 metrics)

2009
Non-Interest-Bearing Deposit Share
funding
Value: 15.08%
Peer Median: 22.02%
#2009 of 2664 Bottom 24.6% in $100M-$1B
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