BlastPoint's Banking Scorecard
Trustmark Bank
Jackson, MS
181 branches across MS · AL · FL · TN · TX
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 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in MS.
- Deposits +6.6% year over year ($16.2B on the books).
- Delinquency rate 1.15%.
- Return on assets 1.33%.
- Efficiency ratio 63.05% vs a 53.67% peer average.
- Loan-to-deposit ratio 86.73% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Trustmark Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Net Interest Margin 0.08% below tier average
- - Efficiency Ratio 9.37% above tier average
- - Delinquency Rate 0.14% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$19.2B
+3.1% YoY
+1.1% QoQ
|
-$24.4B |
$43.6B
-13.8% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$14.1B
+4.1% YoY
+0.4% QoQ
|
-$13.9B |
$28.0B
-8.6% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$16.2B
+6.6% YoY
+2.2% QoQ
|
-$19.2B |
$35.4B
-14.0% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
37% |
| Return on Assets ? |
1.33%
+7.3% YoY
+5.8% QoQ
|
-0.06% |
1.39%
+25.9% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.84%
+1.6% YoY
+1.2% QoQ
|
-0.08% |
3.92%
+8.9% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
65% |
| Efficiency Ratio ? |
63.05%
+1.2% YoY
-0.8% QoQ
|
+9.37% |
53.67%
-1.9% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
1.15%
-2.8% YoY
-25.5% QoQ
|
+0.14% |
1.01%
-2.8% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
86.73%
-2.4% YoY
-1.8% QoQ
|
+4.12% |
82.61%
+3.1% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
20.87%
+1.3% YoY
+6.8% QoQ
|
+0.29% |
20.58%
+4.9% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.87%
-4.1% YoY
-26.1% QoQ
|
+0.14% |
0.73%
+5.8% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
12.43%
+1.5% YoY
+1.3% QoQ
|
-2.92% |
15.35%
-0.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.44%
-0.7% YoY
+97.2% QoQ
|
-0.06% |
0.50%
+10.5% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
65% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.9%
+0.3pp YoY +1.3pp QoQ |
-0.2pp | 21.0% | 23.1% | 22.2% | 40% |
| Brokered Deposits |
2.5%
+0.5pp YoY +0.3pp QoQ |
-6.7pp | 9.2% | 3.8% | 8.5% | 27% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.3%
+2.8pp YoY +0.8pp QoQ |
-0.9pp | 17.2% | 12.4% | 12.5% | 55% |
| CRE |
45.1%
-4.3pp YoY -1.3pp QoQ |
+3.1pp | 42.0% | 42.3% | 41.4% | 53% |
| 1-4 Family |
24.0%
-0.2pp YoY +0.1pp QoQ |
+0.9pp | 23.1% | 33.1% | 31.3% | 60% |
| Consumer |
1.1%
0.0pp YoY 0.0pp QoQ |
-11.8pp | 12.9% | 5.6% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
+0.2pp YoY +0.2pp QoQ |
-2.8pp | 15.3% | 16.5% | 19.7% | 39% |
| Leverage Ratio |
10.4%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 10.4% | 11.9% | 12.6% | 60% |
| Total Capital Ratio |
13.6%
0.0pp YoY +0.1pp QoQ |
-3.0pp | 16.5% | 17.7% | 20.8% | 32% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
2,583
+73 (+2.9%) YoY +53 (+2.1%) QoQ |
-675 | 3,258 | 297 | 482 | 62% |
| Assets per Employee ($) |
$7.4M
+0.2% YoY -1.0% QoQ |
-$19.6M | $27.0M | $6.2M | $8.8M | 6% |
| Branch Count |
181
-2 (-1.1%) YoY 0 QoQ |
+43 | 137 | 22 | 18 | 74% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
+0.2pp YoY -0.1pp QoQ |
+0.4pp | 0.4% | 0.3% | 0.4% | 91% |
| Nonaccrual |
0.4%
-0.2pp YoY -0.3pp QoQ |
-0.4pp | 0.7% | 0.9% | 1.0% | 22% |
| Allowance Coverage |
0.91x
-12.9% YoY +23.5% QoQ |
-1.90x | 2.81x | 4.87x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.3pp | 0.4% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+0.6pp YoY +0.6pp QoQ |
-1.2pp | 12.6% | 11.7% | 11.6% | 53% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 2.0% | 1.8% | 1.7% | 27% |
| Net Income ($, YTD) |
$126.5M
+11.3% YoY — QoQ |
-$170.3M | $296.8M | $13.8M | $40.4M | 40% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.