Amory First Savings And Loan Bank, Ssb: how it compares with its peers
Against 877 U.S. banks with half to twice its assets, Amory First Savings And Loan Bank, Ssb's strongest measure in Q2 2026 is assets per employee ($11.2M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (2.71% vs. 3.89%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.62% | 1.10% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.71% | 3.89% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.08% | 66.78% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.2M | $6.4M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.53% | 72.45% | Context |
What it means for lending operations
Its efficiency ratio of 73.08% is above the 66.78% 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
- Sloan State Bank Sloan, IA · $79M
- McClave State Bank Mcclave, CO · $79M
- Commonwealth National Bank Mobile, AL · $79M
- Galion Building and Loan Bank Galion, OH · $79M
- Highland Federal Savings and Loan Association Crossville, TN · $79M
- Zavala County Bank Crystal City, TX · $79M
Questions about Amory First Savings And Loan Bank, Ssb
How big is Amory First Savings And Loan Bank, Ssb?
Amory First Savings And Loan Bank, Ssb, established in 1934, is headquartered in Amory, MS. It reported $79M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Amory First Savings And Loan Bank, Ssb's return on assets?
0.62% annualized in Q2 2026, against a 1.10% median for 877 U.S. banks with half to twice its assets, ahead of 24% of them.
What is Amory First Savings And Loan Bank, Ssb's efficiency ratio?
73.08% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 66.78%, and lower is better.
Is Amory First Savings And Loan Bank, Ssb growing its loans?
Net loans grew 10.2% over the year to Q2 2026, while deposits grew 10.9%.
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 U.S. 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.