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BankOkolona

$100M-$1B Specialty: Commercial MS FDIC cert 5902

Designations: ✓ CDFI-certified

Okolona, MS

5 branches across MS

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

BankOkolona has 2 strengths but faces 2 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

  • + ROA 0.17% above tier average
  • + Efficiency Ratio 1.73% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 13.5% in tier
  • - Credit Risk Growth: Bottom 41.7% in tier
Get updates when BankOkolona releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $349.3M
+1.1% YoY +0.9% QoQ
-$36.8M $386.1M
+0.5% YoY
$2.3B
+11.5% YoY
$6.2B
+9.1% YoY
54%
Total Loans ? $243.5M
+7.2% YoY +2.6% QoQ
-$12.2M $255.7M
+1.1% YoY
$1.5B
+13.2% YoY
$3.2B
+10.8% YoY
58%
Total Deposits ? $313.1M
+0.3% YoY +1.0% QoQ
-$14.8M $328.0M
+0.1% YoY
$1.9B
+10.5% YoY
$4.8B
+8.2% YoY
57%
Return on Assets ? 1.44%
+85.3% YoY +45.6% QoQ
+0.17% 1.27%
+12.9% YoY
1.16%
+5.3% YoY
1.23%
+13.4% YoY
64%
Net Interest Margin ? 3.95%
+27.0% YoY +17.6% QoQ
+0.02% 3.93%
+6.0% YoY
3.97%
+6.6% YoY
3.89%
+5.7% YoY
55%
Efficiency Ratio ? 63.56%
-17.0% YoY -11.5% QoQ
-1.73% 65.29%
-4.5% YoY
67.65%
-1.2% YoY
66.95%
-4.1% YoY
49%
Delinquency Rate ? 1.11%
+44.3% YoY +1.4% QoQ
+0.23% 0.89%
+18.8% YoY
1.06%
+2.0% YoY
0.95%
+18.8% YoY
26%
Loan-to-Deposit Ratio ? 77.78%
+6.9% YoY +1.6% QoQ
+1.14% 76.64%
+0.8% YoY
70.20%
+3.2% YoY
76.70%
+0.9% YoY
51%
Non-Interest-Bearing Deposit Share ? 22.06%
+8.2% YoY -4.5% QoQ
+0.04% 22.02%
-1.0% YoY
22.68%
-1.8% YoY
22.01%
-1.2% YoY
54%
Nonperforming Asset Ratio ? 0.78%
+32.3% YoY -0.5% QoQ
+0.14% 0.64%
+19.7% YoY
0.74%
+0.7% YoY
0.67%
+19.3% YoY
27%
Tier 1 Capital Ratio ? 9.97%
+11.2% YoY -1.9% QoQ
-5.86% 15.83%
+1.5% YoY
13.90%
-1.0% YoY
17.06%
+0.8% YoY
Bottom 9.4% in tier
Non-Interest Income / Assets ? 0.10%
-7.5% YoY -76.9% QoQ
-0.18% 0.28%
+9.3% YoY
0.17%
-9.5% YoY
0.32%
+4.1% YoY
49%

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 (2)

Capital Thin

risk
#91 of 666 • Bottom 13.5% 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: 9.97%
(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

Credit Risk Growth

risk
#407 of 973 • Bottom 41.7% 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

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 (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2414
Tier 1 Capital Ratio
capital
Value: 9.97%
Peer Median: 15.83%
#2414 of 2664 Bottom 9.4% in $100M-$1B
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