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BankPlus

$1B-$10B Specialty: Commercial MS FDIC cert 5903

Designations: ✓ CDFI-certified

Belzoni, MS

74 branches across MS · LA · AL · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
  • Deposits +8.5% year over year ($7.3B on the books).
  • Delinquency rate 0.64%.
  • Return on assets 1.27%.
  • Efficiency ratio 61.94% vs a 59.73% peer average.
  • Loan-to-deposit ratio 86.31% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 11 in MS
View $1B-$10B leaderboard (MS) →

BankPlus 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

  • + Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 30.1% in tier
  • - Capital Thin: Bottom 46.9% in tier
  • - ROA 0.12% below tier average
  • - Efficiency Ratio 2.21% above tier average
Get updates when BankPlus releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $8.4B
+6.8% YoY +1.2% QoQ
+$5.6B $2.8B
-0.6% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
Top 3.8% in tier
Total Loans ? $6.3B
+4.5% YoY +1.6% QoQ
+$4.4B $2.0B
-0.3% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
Top 2.8% in tier
Total Deposits ? $7.3B
+8.5% YoY +1.6% QoQ
+$5.0B $2.3B
-0.5% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
Top 2.1% in tier
Return on Assets ? 1.27%
+4.6% YoY -9.5% QoQ
-0.12% 1.39%
+17.0% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.82%
+6.2% YoY +0.4% QoQ
-0.05% 3.87%
+6.2% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 61.94%
-2.3% YoY +3.4% QoQ
+2.21% 59.73%
-12.6% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.64%
+63.4% YoY +20.3% QoQ
-0.22% 0.87%
+11.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 86.31%
-3.6% YoY -0.0% QoQ
+1.27% 85.04%
-0.1% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 17.90%
-12.6% YoY -3.0% QoQ
-3.37% 21.27%
-1.5% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.56%
+39.3% YoY +23.3% QoQ
-0.11% 0.67%
+11.7% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 10.84%
+3.1% YoY +0.6% QoQ
-4.00% 14.84%
-0.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
15%
Non-Interest Income / Assets ? 0.49%
-6.3% YoY +78.0% QoQ
-0.04% 0.53%
+2.5% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
79%

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 17.9%
-2.6pp YoY
-0.5pp QoQ
 -3.5pp 21.4% 23.1% 22.2% 39%
Brokered Deposits 1.1%
-3.5pp YoY
-1.2pp QoQ
 -8.4pp 9.5% 3.8% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 11.6%
+1.9pp YoY
-0.5pp QoQ
 -2.4pp 14.0% 12.4% 12.5% 53%
CRE 52.0%
-2.3pp YoY
+0.1pp QoQ
 +1.9pp 50.0% 42.3% 41.4% 57%
1-4 Family 28.3%
+0.2pp YoY
+0.1pp QoQ
 +1.9pp 26.4% 33.1% 31.3% 62%
Consumer 1.7%
0.0pp YoY
0.0pp QoQ
 -3.0pp 4.7% 5.6% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 16.5% 19.7% n/a
Leverage Ratio 10.8%
+0.3pp YoY
+0.1pp QoQ
 -0.5pp 11.3% 11.9% 12.6% 57%
Total Capital Ratio n/a n/a 16.7% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 1,023
-43 (-4.0%) YoY
-26 (-2.5%) QoQ
 +709 313 297 482 98%
Assets per Employee ($) $8.2M
+11.3% YoY
+3.7% QoQ
 -$2.3M $10.5M $6.2M $8.8M 43%
Branch Count 74
-7 (-8.6%) YoY
0 QoQ
 +54 20 22 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.2% 0.3% 0.4% 87%
Nonaccrual 0.5%
+0.1pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.9% 1.0% 45%
Allowance Coverage 1.76x
-41.0% YoY
-17.6% QoQ
 -16.95x 18.71x 4.87x 20.23x 44%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 11.2%
0.0pp YoY
-1.1pp QoQ
 -1.4pp 12.6% 11.7% 11.6% 43%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.8% 1.7% 53%
Net Income ($, YTD) $52.4M
+8.7% YoY
— QoQ
 +$33.1M $19.2M $13.8M $40.4M 94%

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)

Credit Risk Growth

risk
#122 of 402 • Bottom 30.1% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Capital Thin

risk
#105 of 222 • Bottom 46.9% 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: 10.84%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

20
Total Deposits
size
Value: $7.35B
Peer Median: $2.32B
#20 of 885 Top 2.1% in $1B-$10B
26
Total Loans
size
Value: $6.34B
Peer Median: $1.96B
#26 of 885 Top 2.8% in $1B-$10B
35
Total Assets
size
Value: $8.38B
Peer Median: $2.79B
#35 of 885 Top 3.8% in $1B-$10B
184
Non-Interest Income / Assets
revenue_mix
Value: 0.49%
Peer Median: 0.53%
#184 of 885 Top 20.7% in $1B-$10B

Top Weaknesses (1 metrics)

750
Tier 1 Capital Ratio
capital
Value: 10.84%
Peer Median: 14.84%
#750 of 885 Bottom 15.4% in $1B-$10B
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