BNA Bank: how it compares with its peers
Against 19 MS banks with half to twice its assets, BNA Bank's strongest measure in Q2 2026 is efficiency ratio (45.25% vs. a 63.80% peer median). Its weakest relative measure is net interest margin (3.78% vs. 4.05%).
| Measure | BNA Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.24% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 4.05% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.25% | 63.80% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $5.1M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.15% | 71.79% | Context |
What it means for lending operations
Its efficiency ratio of 45.25% is better than the 63.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- FNB Oxford Bank Oxford, MS · $940M
- The Peoples Bank, Biloxi, Mississippi Biloxi, MS · $771M
- First State Bank Waynesboro, MS · $952M
- First Security Bank Batesville, MS · $977M
- Story Bank DBA Story Financial Partners Jackson, MS · $1.01B
- Bank of Holly Springs Holly Springs, MS · $588M
Questions about BNA Bank
How big is BNA Bank?
BNA Bank, established in 1896, is headquartered in New Albany, MS. It reported $856M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is BNA Bank's return on assets?
1.60% annualized in Q2 2026, against a 1.24% median for 19 MS banks with half to twice its assets, ahead of 68% of them.
What is BNA Bank's efficiency ratio?
45.25% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 63.80%, and lower is better.
Is BNA Bank growing its loans?
Net loans grew 15.3% over the year to Q2 2026, while deposits grew 0.9%.
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.