First National Bank of Clarksdale: how it compares with its peers
Against 30 MS banks with half to twice its assets, First National Bank of Clarksdale's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $5.2M peer median). Its weakest relative measure is net interest margin (3.45% vs. 3.99%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 1.12% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.45% | 3.99% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.09% | 65.55% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $5.2M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.10% | 65.67% | Context |
What it means for lending operations
Its efficiency ratio of 73.09% is above the 65.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Federal Savings and Loan Association Pascagoula, MS · $381M
- Pike National Bank Mccomb, MS · $409M
- BankOkolona Okolona, MS · $360M
- Great Southern Bank Meridian, MS · $355M
- Bank of Kilmichael Kilmichael, MS · $342M
- The Cleveland State Bank Cleveland, MS · $340M
Questions about First National Bank of Clarksdale
How big is First National Bank of Clarksdale?
First National Bank of Clarksdale, established in 1964, is headquartered in Clarksdale, MS. It reported $386M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First National Bank of Clarksdale's return on assets?
0.75% annualized in Q2 2026, against a 1.12% median for 30 MS banks with half to twice its assets, ahead of 23% of them.
What is First National Bank of Clarksdale's efficiency ratio?
73.09% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 65.55%, and lower is better.
Is First National Bank of Clarksdale growing its loans?
Net loans grew 10.0% over the year to Q2 2026, while deposits grew 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.