United Mississippi Bank: how it compares with its peers
Against 31 MS banks with half to twice its assets, United Mississippi Bank's strongest measure in Q2 2026 is net interest margin (4.67% vs. a 3.83% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $5.2M).
| Measure | United Mississippi Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.00% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.67% | 3.83% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.41% | 65.42% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $5.2M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.70% | 71.39% | Context |
What it means for lending operations
Its efficiency ratio of 76.41% is above the 65.42% 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 Choice Bank Pontotoc, MS · $561M
- First Bank Mccomb, MS · $563M
- Farmers and Merchants Bank Baldwyn, MS · $566M
- Century Bank Lucedale, MS · $566M
- The Peoples Bank Ripley, MS · $582M
- Bank of Holly Springs Holly Springs, MS · $588M
Questions about United Mississippi Bank
How big is United Mississippi Bank?
United Mississippi Bank, established in 1973, is headquartered in Natchez, MS. It reported $561M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is United Mississippi Bank's return on assets?
1.15% annualized in Q2 2026, against a 1.00% median for 31 MS banks with half to twice its assets, ahead of 58% of them.
What is United Mississippi Bank's efficiency ratio?
76.41% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 65.42%, and lower is better.
Is United Mississippi Bank growing its loans?
Net loans grew 7.7% over the year to Q2 2026, while deposits shrank 0.1%.
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.