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BankOkolona

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

Designations: ✓ CDFI-certified

Okolona, MS

5 branches across MS

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 +3.3% year over year ($322.3M on the books).
  • Delinquency rate 1.05%.
  • Return on assets 1.38%.
  • Efficiency ratio 64.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.79% 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) →

BankOkolona has 1 strength 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

  • + ROA 0.06% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 17.0% in tier
  • - Capital Thin: Bottom 34.6% in tier
  • - Credit Quality Pressure: Bottom 44.7% in tier
  • - Efficiency Ratio 0.07% above tier average
Get updates when BankOkolona releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $359.6M
+4.0% YoY +2.9% QoQ
-$27.0M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $247.5M
+4.5% YoY +1.6% QoQ
-$10.8M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $322.3M
+3.3% YoY +2.9% QoQ
-$4.4M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.38%
+74.7% YoY -3.8% QoQ
+0.06% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.94%
+25.0% YoY -0.4% QoQ
-0.05% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 64.55%
-15.4% YoY +1.6% QoQ
+0.07% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 1.05%
+13.0% YoY -5.4% QoQ
+0.13% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
27%
Loan-to-Deposit Ratio ? 76.79%
+1.2% YoY -1.3% QoQ
-1.16% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 23.08%
+7.5% YoY +4.6% QoQ
+1.05% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.75%
+3.9% YoY -3.9% QoQ
+0.08% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 10.09%
+12.1% YoY +1.2% QoQ
-5.82% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
Bottom 12.0% in tier
Non-Interest Income / Assets ? 0.17%
-12.8% YoY +81.9% QoQ
-0.39% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
43%

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 23.1%
+1.6pp YoY
+1.0pp QoQ
 +0.9pp 22.1% 23.1% 22.2% 59%
Brokered Deposits 0.7%
0.0pp YoY
0.0pp QoQ
 -7.2pp 7.9% 3.8% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 14.6%
-0.8pp YoY
-0.4pp QoQ
 +3.1pp 11.6% 12.4% 12.5% 74%
CRE 23.1%
-0.6pp YoY
-1.4pp QoQ
 -16.4pp 39.5% 42.3% 41.4% 23%
1-4 Family 40.6%
+1.7pp YoY
+0.8pp QoQ
 +8.0pp 32.6% 33.1% 31.3% 71%
Consumer 5.3%
-0.2pp YoY
+0.1pp QoQ
 +1.1pp 4.1% 5.6% 5.0% 78%

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 10.1%
+1.1pp YoY
+0.1pp QoQ
 -2.1pp 12.2% 11.9% 12.6% 34%
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 60
0 YoY
+1 (+1.7%) QoQ
 +1 58 297 482 63%
Assets per Employee ($) $6.0M
+4.0% YoY
+1.2% QoQ
 -$1.5M $7.5M $6.2M $8.8M 33%
Branch Count 5
0 YoY
0 QoQ
 0 4 22 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 17%
Nonaccrual 1.0%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 0.9% 0.9% 1.0% 72%
Allowance Coverage 0.96x
-15.7% YoY
+2.8% QoQ
 -23.19x 24.15x 4.87x 20.23x 26%
Net Charge-off Rate (YTD) 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 73%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 15.0%
+4.8pp YoY
-0.6pp QoQ
 +2.8pp 12.2% 11.7% 11.6% 68%
Cost of Funds (YTD) 2.2%
-0.5pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 80%
Net Income ($, YTD) $2.4M
+80.1% YoY
— QoQ
 -$125K $2.6M $13.8M $40.4M 60%

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 (3)

Credit Risk Growth

risk
#160 of 936 • Bottom 17.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#230 of 661 • Bottom 34.6% 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: 10.09%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Pressure

risk
#562 of 1256 • Bottom 44.7% in tier

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

Why this signature
Delinquency Rate: 1.05%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2327
Tier 1 Capital Ratio
capital
Value: 10.09%
Peer Median: 15.91%
#2327 of 2643 Bottom 12.0% in $100M-$1B
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