BlastPoint's Banking Scorecard

United Mississippi Bank

$100M-$1B Specialty: Commercial MS FDIC cert 21083

Designations: ✓ CDFI-certified

Natchez, MS

13 branches across MS · LA

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 -0.1% year over year ($478.9M on the books).
Delinquency rate 0.19%.
Return on assets 1.15%.
Efficiency ratio 76.41% vs a 64.48% peer average.
Loan-to-deposit ratio 85.70% 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) →

United Mississippi Bank has 2 strengths but faces 3 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

+ Deposit Franchise: Top 73.0% in tier
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 47.0% in tier
- ROA 0.17% below tier average
- Efficiency Ratio 11.93% above tier average

Get updates when United Mississippi Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$560.7M +2.8% YoY -0.4% QoQ	+$174.1M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$410.4M +7.7% YoY -0.3% QoQ	+$152.0M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$478.9M -0.1% YoY -1.3% QoQ	+$152.1M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	1.15% +8.2% YoY +1.1% QoQ	-0.17%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	4.67% +5.1% YoY +0.7% QoQ	+0.69%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	85%
Efficiency Ratio ?	76.41% -1.4% YoY -0.5% QoQ	+11.93%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	0.19% -0.6% YoY -42.3% QoQ	-0.73%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	85.70% +7.7% YoY +0.9% QoQ	+7.75%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	36%
Non-Interest-Bearing Deposit Share ?	33.02% -34.7% YoY -35.3% QoQ	+10.99%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	Top 12.5% in tier
Nonperforming Asset Ratio ?	0.14% +0.0% YoY -41.3% QoQ	-0.52%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	11.04% +4.5% YoY +2.5% QoQ	-4.87%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.45% +2.4% YoY +102.9% QoQ	-0.12%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	Top 11.3% in tier

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	33.0% -17.5pp YoY -18.0pp QoQ	+10.9pp	22.1%	23.1%	22.2%	87%
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	8.1% -2.0pp YoY -0.7pp QoQ	-3.4pp	11.6%	12.4%	12.5%	41%
CRE	46.2% +0.4pp YoY -0.1pp QoQ	+6.6pp	39.5%	42.3%	41.4%	64%
1-4 Family	25.2% +2.0pp YoY +0.9pp QoQ	-7.5pp	32.6%	33.1%	31.3%	41%
Consumer	3.2% -0.4pp YoY 0.0pp QoQ	-0.9pp	4.1%	5.6%	5.0%	63%

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	11.0% +0.5pp YoY +0.3pp QoQ	-1.1pp	12.2%	11.9%	12.6%	51%
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	137 0 YoY -3 (-2.1%) QoQ	+78	58	297	482	96%
Assets per Employee ($)	$4.1M +2.8% YoY +1.7% QoQ	-$3.4M	$7.5M	$6.2M	$8.8M	5%
Branch Count	13 0 YoY 0 QoQ	+8	4	22	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.3%	0.4%	41%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.9%	1.0%	22%
Allowance Coverage	4.46x +4.1% YoY +79.7% QoQ	-19.69x	24.15x	4.87x	20.23x	68%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	10.2% +0.5pp YoY 0.0pp QoQ	-2.0pp	12.2%	11.7%	11.6%	38%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.8%	1.7%	18%
Net Income ($, YTD)	$3.2M +14.6% YoY — QoQ	+$662K	$2.6M	$13.8M	$40.4M	73%

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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)

Deposit Franchise

growth

#204 of 278 • Top 73.0% in tier

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: 33.02%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.67%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Capital Thin

risk

#312 of 661 • Bottom 47.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.04%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

299

Non-Interest Income / Assets

revenue_mix

Value: 0.45%

Peer Median: 0.57%

#299 of 2643 Top 11.3% in $100M-$1B

331

Non-Interest-Bearing Deposit Share

funding

Value: 33.02%

Peer Median: 22.03%

#331 of 2643 Top 12.5% in $100M-$1B

398

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.99%

#398 of 2643 Top 15.0% in $100M-$1B

523

Total Loans

size

Value: $410.39M

Peer Median: $258.35M

#523 of 2643 Top 19.8% in $100M-$1B

588

Total Deposits

size

Value: $478.88M

Peer Median: $326.73M

#588 of 2643 Top 22.2% in $100M-$1B

602

Total Assets

size

Value: $560.70M

Peer Median: $386.57M

#602 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (2 metrics)

2164

Efficiency Ratio

profitability

Value: 76.41%

Peer Median: 64.48%

#2164 of 2643 Bottom 18.2% in $100M-$1B

2009

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.91%

#2009 of 2643 Bottom 24.0% in $100M-$1B