| Metric | Bank of Yazoo City | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | -2.0% | +4.0% | -6.0 pts |
| Loan growth (YoY) | +18.8% | +5.6% | +13.3 pts |
| ROA | 0.99% | 1.24% | -0.3 pts |
| ROE | 9.1% | 11.9% | -2.7 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.2M | $280.7M | $181.6M | $34.9M | $1.6M | 0.99% | 3.48% | 0.01% |
| Q1 2026 | $326.1M | $290.4M | $166.6M | $34.0M | $636K | 0.80% | 3.32% | 0.01% |
| Q4 2025 | $308.1M | $271.4M | $161.4M | $33.8M | $2.3M | 0.74% | 2.92% | 0.02% |
| Q3 2025 | $312.6M | $277.0M | $160.4M | $33.6M | $1.7M | 0.71% | 2.82% | 0.00% |
| Q2 2025 | $320.8M | $286.5M | $152.8M | $32.0M | $1.1M | 0.69% | 2.69% | 0.00% |
| Q1 2025 | $321.0M | $288.3M | $151.3M | $30.6M | $495K | 0.63% | 2.56% | 0.00% |
| Q4 2024 | $306.8M | $275.2M | $155.6M | $29.1M | $1.8M | 0.56% | 2.29% | 0.00% |
| Q3 2024 | $308.7M | $274.5M | $157.0M | $30.3M | $1.1M | 0.45% | 2.24% | 0.54% |
Loan mix (Q2 2026): real estate $149.3M · commercial $23.9M · consumer $3.5M · securities $112.1M
| Ratio | Bank of Yazoo City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 62.9% | 58th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Yazoo City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Yazoo City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Yazoo City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Yazoo City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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