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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Mississippi, the state note

Bankplus

Belzoni, Mississippi · $8.38B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

+4.5%
Loans, year over year
10th of 12, largest first
0.64%
NPA / loans
9th of 12
1.8x
Coverage of noncurrent
9th of 12

Bankplus is the third largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $8.38B in assets at 30 June 2026. Loans are 87.3% of deposits, 8th of 12 against a median of 86.1%, and equity is 11.2% of assets, 6th of 12. Loans grew +4.5% in the year, 10th of 12, and deposits grew 8.5%; the cohort's median loan growth is +8.1%.

Noncurrent loans are 0.64% of the book, 9th of 12 against a median of 0.57%; 0.34% is 30 to 89 days past due, and the allowance covers them 1.8 times. Commercial real estate is 32.5% of loans, 6th of 12 against a median of 34.8%, and 235% of capital, below the 300% screen, with construction at 54% against the 100% screen.

Return on assets is 1.27%, 6th of 12 against a median of 1.26%, on an efficiency ratio of 62.3%, 8th of 12. Five years ago it was 1.26%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansSouth Central states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.57% FS First Security Bank 0.14% CB Central Bank & Trust Co. 0.21% S Smartbank 0.24% CB Community Bank of Mississippi 0.25% RB River Bank & Trust 0.48% RB Republic Bank & Trust Co. 0.56% CT Community Trust Bank Inc 0.58% WB Wilson Bank & Trust 0.63% B Bankplus 0.64% B B1bank 1.26% GC Gulf Coast Bank & Trust Co. 1.60% FG First Guaranty Bank 2.30%
Loans, year over yearSouth Central states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +8.1% S Smartbank +13.6% GC Gulf Coast Bank & Trust Co. +11.4% RB River Bank & Trust +11.3% B B1bank +10.2% CT Community Trust Bank Inc +9.0% CB Community Bank of Mississippi +8.9% FS First Security Bank +7.3% CB Central Bank & Trust Co. +5.3% WB Wilson Bank & Trust +4.5% B Bankplus +4.5% RB Republic Bank & Trust Co. +1.1% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

Bankplus is the 6th largest 7(a) lender into Mississippi of 206, with $132M across 340 loans, 4.4% of everything approved in the state (Community Bank of Mississippi leads with $460M). 57 of its 83 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Mississippi, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Rankin, MS$13M4th of 656.1%-12.5 pts
Jefferson, LA$11M13th of 842.8%quiet FY2016
Walthall, MS$11M1st of 1043.6%-1.2 pts
Cleburne, AL$11M2nd of 1231.5%-28.3 pts
Hinds, MS$10M7th of 575.5%+0.2 pts
Orleans, LA$9M12th of 852.5%quiet FY2018
Saint Tammany, LA$9M11th of 782.6%quiet FY2020
Madison, MS$9M4th of 655.7%quiet FY2022
Covington, MS$9M6th of 195.5%+7.2 pts
Lincoln, MS$8M2nd of 1917.1%-12.6 pts
Jefferson Davis, MS$6M1st of 1431.0%thin
Jones, MS$6M7th of 284.6%thin
Pike, MS$6M2nd of 1915.6%thin
70 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Agriculture, forestry & fishing139$113M53.0%1.39%7th of 1,007
Accommodation & food services52$15M6.9%0.02%460th of 2,596
Manufacturing28$14M6.6%0.04%370th of 2,246
Other services40$14M6.4%0.04%299th of 2,248
Retail trade62$13M6.1%0.02%417th of 2,589
7(a) lenders into Mississippi, share of approvals since FY2008206 lenders on record; the ten largest and Bankplus
CB Community Bank of Mississippi 15.3% $460M · 1,205 loans FF First Financial Bank 10.0% $300M · 1,016 loans PB Peoples Bank 8.3% $248M · 805 loans LO Live Oak Banking Company 5.7% $171M · 118 loans TB Trustmark Bank 5.1% $155M · 1,047 loans B Bankplus 4.4% $132M · 340 loans RB Renasant Bank 4.0% $119M · 232 loans TH The Huntington National Bank 3.3% $99M · 260 loans BF Bankfirst Financial Services 2.7% $80M · 200 loans SA Southern Agcredit, Flca 1.8% $54M · 37 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Bankplus among them; owner-occupied excluded; bold marks a screen met
BankplusRankCohort median
Total CRE against capital, the 300% screen235%7th of 12218%
Construction against capital, the 100% screen54%4th of 1259%
Construction and land development, share of loans7.4%4th of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans17.9%5th of 1218.7%
Total CRE, the guidance definition, share of loans32.5%6th of 1234.8%
CRE growth over 36 months, the third prong-12.6%2nd of 12+21.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Security Bank$8.58B1.8%43.5%0.14%0.46%2.3%67.6%14.1%
Bankplus$8.38B1.3%62.3%0.64%0.05%1.1%87.3%11.2%
Republic Bank & Trust Co.$7.05B2.1%48.8%0.56%0.46%1.6%97.2%15.4%
Community Trust Bank Inc$6.95B1.6%46.7%0.58%0.09%1.2%90.5%13.1%
Smartbank$6.11B1.1%58.4%0.24%0.03%1.0%87.0%10.8%
Wilson Bank & Trust$5.98B1.4%52.7%0.63%0.04%1.3%84.2%10.1%
Community Bank of Mississippi$5.09B1.1%65.1%0.25%0.01%1.1%75.8%8.5%
River Bank & Trust$4.02B1.5%47.4%0.48%0.02%1.4%81.6%8.8%
Central Bank & Trust Co.$4.01B1.3%69.7%0.21%-0.03%1.0%96.6%12.5%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
BankplusCohort median
20212026Change20212026Change
Loans$3.50B$6.41B+83%$2.57B$4.54B+77%
Deposits$4.57B$7.35B+61%$3.48B$5.36B+54%
NPA / loans0.38%0.64%+0.26 pts0.45%0.57%+0.12 pts
Efficiency64.0%62.3%-1.7 pts62.4%60.0%-2.5 pts
ROA1.26%1.27%+0.01 pts1.28%1.26%-0.02 pts

This read was prepared for Bankplus's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bankplus is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.bankplus.net

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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