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

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

United Mississippi Bank has 2 strengths but faces 4 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 32.0% in tier
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 30.5% in tier
- Capital Thin: Bottom 42.9% in tier
- ROA 0.13% below tier average
- Efficiency Ratio 11.50% 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 ?	$563.1M +3.1% YoY +1.4% QoQ	+$177.0M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$411.8M +14.8% YoY +1.9% QoQ	+$156.1M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$485.0M +0.7% YoY +1.1% QoQ	+$157.1M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.14% +2.0% YoY +9.1% QoQ	-0.13%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	4.64% +6.9% YoY +2.1% QoQ	+0.71%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Top 14.5% in tier
Efficiency Ratio ?	76.79% +0.8% YoY -1.2% QoQ	+11.50%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	20%
Delinquency Rate ?	0.33% +117.7% YoY +33.6% QoQ	-0.56%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	84.90% +14.0% YoY +0.8% QoQ	+8.27%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	51.02% +0.6% YoY +1.6% QoQ	+29.01%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	Top 1.5% in tier
Nonperforming Asset Ratio ?	0.25% +123.5% YoY +33.2% QoQ	-0.39%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	10.77% +3.4% YoY +2.7% QoQ	-5.06%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.22% -0.7% YoY -74.3% QoQ	-0.06%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Top 11.4% in tier

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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

#88 of 272 • Top 32.0% 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: 51.02%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.64%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#400 of 1308 • Bottom 30.5% in tier

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

Why this signature

Delinquency Rate: 0.33%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Capital Thin

risk

#287 of 666 • Bottom 42.9% 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: 10.77%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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).

Compare against:

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

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 51.02%

Peer Median: 22.02%

#40 of 2664 Top 1.5% in $100M-$1B

304

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#304 of 2664 Top 11.4% in $100M-$1B

386

Net Interest Margin

profitability

Value: 4.64%

Peer Median: 3.93%

#386 of 2664 Top 14.5% in $100M-$1B

512

Total Loans

size

Value: $411.82M

Peer Median: $255.72M

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

584

Total Deposits

size

Value: $485.05M

Peer Median: $327.97M

#584 of 2664 Top 21.9% in $100M-$1B

598

Total Assets

size

Value: $563.13M

Peer Median: $386.08M

#598 of 2664 Top 22.4% in $100M-$1B

Top Weaknesses (2 metrics)

2142

Efficiency Ratio

profitability

Value: 76.79%

Peer Median: 65.29%

#2142 of 2664 Bottom 19.6% in $100M-$1B

2127

Tier 1 Capital Ratio

capital

Value: 10.77%

Peer Median: 15.83%

#2127 of 2664 Bottom 20.2% in $100M-$1B