The catalogue › United States › South Central › Mississippi
The state note · prepared 3 November 2026

Mississippi

57 banks and 55 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

57 banks filing · read from the 30 June 2026 Call Report
57
banks filing
$130B in assets
+8.1%
Loans, year over year
median; 20 above 10%, 6 shrinking
26.8%
CRE / loans
median
75.8%
Loans / deposits
median
0.67%
NPA / loans
median
11.1%
Equity / assets
median

Mississippi's 57 banks hold $130B in assets at 30 June 2026. Hancock Whitney Bank is the largest at $36.3B, and the five largest hold 74% of the total; 14 institutions are above $1B, holding $113B.

Loans grew a median +8.1% in the year to 30 June 2026: 20 institutions grew faster than 10% and 6 shrank. The median bank lends 76% of its deposits and holds commercial real estate at 26.8% of loans. Nonperforming loans sit at a median 0.67% of the book, return on assets at 1.13%, and equity at 11.1% of assets.

11 of the 57 are in the catalogue, each read from its own filing beside the banks its size in the state: Hancock Whitney Bank, Renasant Bank, Trustmark Bank, Bankplus, Community Bank of Mississippi, Bankfirst Financial Services, Planters Bank & Trust Co., Citizens National Bank of Meridian, First Security Bank, First State Bank, FNB Oxford Bank.

Who holds the state's assetseach institution's share of the $130B the state's 57 hold; the largest first, amber in the catalogue
Hancock Whitney Bank: 27.9%HW28%Renasant Bank: 20.7%RB21%Trustmark Bank: 14.7%TB15%Bankplus: 6.4%BCommunity Bank of Mississippi: 3.9%CBBankfirst Financial Services: 2.5%Guaranty Bank & Trust Co.: 2.4%Planters Bank & Trust Co.: 2.1%Citizens National Bank of Meridian: 1.5%Citizens Bank Philadelphia Mississippi: 1.2%47 others 17%HWHancock Whitney Bank27.9%RBRenasant Bank20.7%TBTrustmark Bank14.7%BBankplus6.4%CBCommunity Bank of Mis…3.9%BFBankfirst Financial S…2.5%GBGuaranty Bank & Trust…2.4%PBPlanters Bank & Trust…2.1%CNCitizens National Ban…1.5%CBCitizens Bank Philade…1.2%

Hancock Whitney Bank holds 27.9% of the state's bank assets; the five largest hold 74%, and 14 of the 57 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestHancock Whitney Bank: 28% of the totalThe five largest74% of the totalThe ten largest83% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 74% of the assets in 9% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end22.0%$19.9BNonfarm nonresidential, non-owner-occupied17.6%$15.9BCommercial & industrial17.5%$15.8BNonfarm nonresidential, owner-occupied13.9%$12.6BConstruction & land8.5%$7.7BMultifamily6.4%$5.7BHome equity lines3.9%$3.5BOther loans and leases3.3%$2.9BFarmland2.2%$2.0BStates & municipalities2.2%$2.0BConsumer, other1.2%$1.1BAgricultural production0.8%$720MAuto0.4%$329MCredit card0.1%$127M

1-4 family residential, closed-end is the largest category at 22.0% of the state's $90.2B in loans, then Nonfarm nonresidential, non-owner-occupied at 17.6% and Commercial & industrial at 17.5%.

Loans, year over yearMississippi banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 57 · amber, in the catalogue
state median +8.1% GB Genesis Bank +47.1% MM Merchants & Marine Bank +45.5% PB Planters Bank & Trust Co. +41.5% RB Riverhills Bank +39.2% PN Pike National Bank +26.1% BF Bankfirst Financial Services +23.9% JB Jefferson Bank +23.1% Bo Bank of Commerce +23.0% CB Commercial Bank +22.1% FS First State Bank +20.0% FC First Choice Bank +19.0% Bo Bank of Yazoo City +18.6% Bo Bank of Franklin +17.7% BB Bna Bank +14.6% FO FNB Oxford Bank +14.4% CC Covington County Bank +14.2% CB Copiah Bank +12.5% PB Peoples Bank Biloxi Mississippi +11.6% PB Peoples Bank +10.8% AF Amory First S & L Bank SSB +10.2% FN First National Bank of Clarksdale +9.9% Bo Bank of Brookhaven +9.8% FS First Security Bank +9.8% CB Citizens Bank Philadelphia Missis… +9.3% GB Guaranty Bank & Trust Co. +9.1%

Genesis Bank grew fastest at +47.1%; 20 grew faster than 10% and 6 shrank, Bank of Anguilla the most at -10.1%. The median is +8.1%.

Commercial real estate, share of loansMississippi banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 57 · amber, in the catalogue
state median 26.8% FO FNB Oxford Bank 50.5% PB Peoples Bank Biloxi Mississippi 47.8% CB Citizens Bank Philadelphia Missis… 46.5% PB Priorityone Bank 44.9% PB Peoples Bank 44.2% CN Citizens National Bank of Meridian 43.2% MM Merchants & Marine Bank 41.9% RB Renasant Bank 41.8% PB Planters Bank & Trust Co. 41.8% GB Guaranty Bank & Trust Co. 38.1% FC First Choice Bank 36.5% TB Trustmark Bank 35.5% FB First Bank 35.0% BF Bankfirst Financial Services 33.7% FS First State Bank 33.4% B Bankplus 32.5% BB Bna Bank 32.1% FN First National Bank of Clarksdale 31.5% SB Story Bank dba Story Finl Part 31.3% FM Farmers & Merchants Bank 30.5% FS First Security Bank 30.2% PN Pike National Bank 30.1% Bo Bank of Franklin 29.6% Bo Bank of Forest 29.5% Bo Bank of Kilmichael 28.7%

FNB Oxford Bank is the most CRE-weighted at 50.5% of loans; 9 of the 57 are above 40%, against a median of 26.8%.

Commercial real estate against capital, the 300% screenMississippi banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 57 · amber, in the catalogue
state median 132% 300% screen PB Priorityone Bank 296% FC First Choice Bank 281% CB Citizens Bank Philadelphia Missis… 278% PB Peoples Bank 278% GB Guaranty Bank & Trust Co. 272% RB Renasant Bank 272% CN Citizens National Bank of Meridian 248% SB Story Bank dba Story Finl Part 244% FO FNB Oxford Bank 244% TB Trustmark Bank 237% PB Planters Bank & Trust Co. 236% B Bankplus 235% MM Merchants & Marine Bank 228% BF Bankfirst Financial Services 219% Bo Bank of Franklin 211% CB Community Bank of Mississippi 202% FS First Security Bank 189% CB Century Bank 188% Bo Bank of Kilmichael 188% FB First Bank 184% UM United Mississippi Bank 178% FS First State Bank 178% BB Bna Bank 162% FN First National Bank of Clarksdale 159% Bo Bank of Forest 152%

0 of the 57 banks sit above the 300% screen, Priorityone Bank the highest at 296% of capital; the median is 132%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenMississippi banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 57 · amber, in the catalogue
state median 45% 100% screen FC First Choice Bank 135% FO FNB Oxford Bank 101% FN First National Bank of Clarksdale 94% PB Priorityone Bank 91% GB Guaranty Bank & Trust Co. 91% SB Story Bank dba Story Finl Part 85% CB Community Bank of Mississippi 84% CB Century Bank 79% Bo Bank of Holly Springs 76% FS First Security Bank 76% FP FNB Picayune Bank 73% RB Renasant Bank 67% MM Merchants & Marine Bank 67% FM Farmers & Merchants Bank 67% PN Pike National Bank 63% Bo Bank of Forest 62% CB Citizens Bank Philadelphia Missis… 62% BF Bankfirst Financial Services 62% FS First State Bank 58% CN Citizens National Bank of Meridian 58% TB Trustmark Bank 57% Bo Bank of Kilmichael 55% Bo Bank of Wiggins 54% B Bankplus 54% Bo Bank of Franklin 53%

2 of the 57 banks sit above the 100% construction screen, First Choice Bank the highest at 135%; the median is 45%.

Loans to depositsMississippi banks, 30 June 2026 · listed highest first · the 25 highest of 57 · amber, in the catalogue
state median 76% FF First Federal Savings & Loan Asso… 112% GB Genesis Bank 105% SB Story Bank dba Story Finl Part 100% JB Jefferson Bank 94% AF Amory First S & L Bank SSB 91% PB Priorityone Bank 90% PB Peoples Bank 88% Bo Bank of Holly Springs 88% RB Renasant Bank 88% TB Trustmark Bank 88% B Bankplus 87% CC Covington County Bank 87% UM United Mississippi Bank 86% CB Citizens Bank & Trust Co. 85% GB Guaranty Bank & Trust Co. 83% GB Grand Bank for Savings FSB 83% HW Hancock Whitney Bank 82% CN Citizens National Bank of Meridian 81% BF Bankfirst Financial Services 80% FB First Bank 80% FC First Choice Bank 80% PB Planters Bank & Trust Co. 79% CB Commerce Bank 79% Bo Bank of Franklin 79% B Bankokolona 78%

2 of the 57 lend more than they hold in deposits, First Federal Savings & Loan Association the furthest at 112%; the median is 76%.

Nonperforming loans, share of loansMississippi banks, 30 June 2026 · listed highest first · the 25 highest of 57 · amber, in the catalogue
state median 0.67% CB Citizens Bank & Trust Co. 5.50% Bo Bank of Holly Springs 4.61% PB Peoples Bank 4.28% GB Genesis Bank 2.85% Bo Bank of Anguilla 2.66% GB Guaranty Bank & Trust Co. 2.01% MM Merchants & Marine Bank 1.94% Bo Bank of Wiggins 1.75% CB Commerce Bank 1.72% FM Farmers & Merchants Bank 1.69% PB Priorityone Bank 1.58% AF Amory First S & L Bank SSB 1.37% Bo Bank of Winona 1.30% Bo Bank of Forest 1.30% FP FNB Picayune Bank 1.26% FS First State Bank 1.18% TB Trustmark Bank 1.14% FB First Bank 1.11% B Bankokolona 1.04% CC Covington County Bank 0.99% Bo Bank of Kilmichael 0.96% RB Renasant Bank 0.96% Bo Bank of Commerce 0.88% CN Citizens National Bank of Meridian 0.87% UB Unity Bank of Mississippi 0.80%

Citizens Bank & Trust Co. carries the most nonperforming loans at 5.50% of the book; 19 of the 57 are above 1%, and the median is 0.67%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%1.00%2.00%3.00%4.00%NPA / loansAllowance / loansJBJefferson Bank+4.22%RBRichton Bank & Trust Co.+3.71%MPMerchants & Planters Bank+2.29%RBRiverhills Bank+1.43%FSFirst Southern Bank+1.36%CBCommercial Bank+1.36%CBCopiah Bank+1.24%PBPeoples Bank+1.05%BoBank of Yazoo City+1.03%CSCleveland State Bank+1.00%CBCitizens Bank+0.94%PBPeoples Bank Biloxi Mississippi+0.94%BoBank of Franklin+0.92%FOFNB Oxford Bank+0.91%CBCommunity Bank of Mississippi+0.89%BoBank of Brookhaven+0.86%FSFirst Security Bank+0.76%CBCentury Bank+0.71%HWHancock Whitney Bank+0.69%FCFirst Choice Bank+0.68%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 20 of the 57 hold an allowance smaller than their nonperforming loans.

Return on assetsMississippi banks, 30 June 2026 · listed highest first · the 25 highest of 57 · amber, in the catalogue
state median 1.13% PB Peoples Bank 3.99% FP FNB Picayune Bank 3.27% CB Commerce Bank 2.44% CB Citizens Bank 2.41% JB Jefferson Bank 2.07% RB Riverhills Bank 2.05% PB Priorityone Bank 2.01% FS First Southern Bank 1.83% MM Merchants & Marine Bank 1.78% FM Farmers & Merchants Bank 1.71% BB Bna Bank 1.63% CN Citizens National Bank of Meridian 1.56% FB First Bank 1.53% CC Covington County Bank 1.41% RB Renasant Bank 1.40% B Bankokolona 1.37% Bo Bank of Forest 1.37% TB Trustmark Bank 1.33% FS First Security Bank 1.30% Bo Bank of Holly Springs 1.28% B Bankplus 1.27% MP Merchants & Planters Bank 1.26% Bo Bank of Brookhaven 1.25% CB Century Bank 1.21% PB Planters Bank & Trust Co. 1.21%

Peoples Bank earns the most at 3.99% and First State Bank the least at 0.35%; 5 of the 57 earn under 0.50%, and the median is 1.13%.

The efficiency ratio, with the return beside itMississippi banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 57 · amber, in the catalogue
state median 65.0% JB Jefferson Bank 41.1% ROA 2.07% BB Bna Bank 45.3% ROA 1.63% FP FNB Picayune Bank 45.6% ROA 3.27% RB Riverhills Bank 48.3% ROA 2.05% PB Peoples Bank 55.3% ROA 3.99% HW Hancock Whitney Bank 55.3% ROA 1.00% CB Commerce Bank 55.6% ROA 2.44% RB Renasant Bank 55.7% ROA 1.40% CB Citizens Bank 55.7% ROA 2.41% PB Peoples Bank 57.7% ROA 0.97% FM Farmers & Merchants Bank 58.3% ROA 1.71% CC Covington County Bank 58.6% ROA 1.41% Bo Bank of Commerce 59.6% ROA 1.13% Bo Bank of Anguilla 60.0% ROA 1.15% PB Planters Bank & Trust Co. 60.2% ROA 1.21% PB Priorityone Bank 60.3% ROA 2.01% Bo Bank of Brookhaven 61.5% ROA 1.25% FS First Southern Bank 61.6% ROA 1.83% B Bankplus 62.3% ROA 1.27% GB Guaranty Bank & Trust Co. 62.6% ROA 1.11% Bo Bank of Holly Springs 62.8% ROA 1.28% TB Trustmark Bank 63.0% ROA 1.33% Bo Bank of Forest 63.3% ROA 1.37% FS First Security Bank 63.7% ROA 1.30% FB First Bank 63.8% ROA 1.53%

Jefferson Bank runs the leanest at 41.1% of revenue in cost; 7 of the 57 spend more than 80 cents of every revenue dollar, and the median is 65.0%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Hancock Whitney Bank$36.3B+4.9%24.2%82%0.57%1.00%12.0%
Renasant Bank$27.0B+2.7%41.8%88%0.96%1.40%15.4%
Trustmark Bank$19.2B+3.9%35.5%88%1.14%1.33%11.6%
Bankplus$8.4B+4.5%32.5%87%0.64%1.27%11.2%
Community Bank of Mississippi$5.1B+8.9%26.8%76%0.25%1.10%8.5%
Bankfirst Financial Services$3.3B+23.9%33.7%80%0.77%1.09%13.3%
Guaranty Bank & Trust Co.$3.1B+9.1%38.1%83%2.01%1.11%11.1%
Planters Bank & Trust Co.$2.7B+41.5%41.8%79%0.61%1.21%11.6%
Citizens National Bank of Meridian$1.9B+5.3%43.2%81%0.87%1.56%10.3%
Citizens Bank Philadelphia Mississippi$1.6B+9.3%46.5%68%0.47%0.80%5.6%
Merchants & Marine Bank$1.3B+45.5%41.9%68%1.94%1.78%9.7%
Priorityone Bank$1.2B+5.2%44.9%90%1.58%2.01%11.9%
Bank of Commerce$1.1B+23.0%9.8%66%0.88%1.13%11.6%
Story Bank dba Story Finl Part$1.0B+8.4%31.3%100%0.37%0.89%10.5%
First Security Bank$977M+9.8%30.2%72%0.55%1.30%8.6%
Five years, 2021 to 2026the 57 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$62.1B$90.2B+45%
Deposits, in total$86.8B$110B+26%
NPA / loans, median0.66%0.67%+0.01 pts
Efficiency, median67.5%65.0%-2.6 pts
ROA, median1.03%1.13%+0.09 pts

Small-business lending

SBA 7(a) approvals into Mississippi since FY2008, across every lender type

$3.1B of 7(a) credit has been approved into Mississippi since FY2008 across 8,082 loans. Agriculture, forestry & fishing is the largest category at 34.4%, Accommodation & food services at 19.8%, Retail trade at 11.0%; the three together are 65% of the money. The heaviest losses fall in Manufacturing, at 5.86% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 208 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
CB Community Bank of Mississippi 15.3% $466M · 1,215 loans FF First Financial Bank 9.9% $302M · 1,019 loans PB Peoples Bank 8.4% $257M · 812 loans LO Live Oak Banking Company 5.9% $180M · 125 loans TB Trustmark Bank 5.1% $155M · 1,050 loans B Bankplus 4.4% $135M · 343 loans RB Renasant Bank 4.0% $121M · 236 loans TH The Huntington National Bank 3.3% $99M · 260 loans BF Bankfirst Financial Services 2.6% $80M · 200 loans SB Southern Bancorp Bank 1.8% $54M · 44 loans Southern Agcredit, Flca 1.8% $54M · 37 loans HW Hancock Whitney Bank 1.7% $53M · 201 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Agriculture, forestry & fishing36.0%$1.1B · 2,391 loansAccommodation & food services20.7%$605M · 905 loansRetail trade11.5%$336M · 1,001 loansHealth care & social assistance6.1%$177M · 513 loansManufacturing6.0%$175M · 391 loansOther services4.7%$137M · 505 loansConstruction2.8%$82M · 476 loansProfessional & technical services2.7%$80M · 361 loansWholesale trade2.6%$75M · 198 loansArts, entertainment & recreation2.5%$74M · 204 loansTransportation & warehousing2.3%$68M · 474 loansReal estate & leasing2.0%$58M · 126 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Agriculture, forestry & fishing$1.1B2,39134.4%$27M2.61%
Accommodation & food services$605M90519.8%$10M1.71%
Retail trade$336M1,00111.0%$9M2.62%
Health care & social assistance$177M5135.8%$4M2.08%
Manufacturing$175M3915.7%$10M5.86%
Other services$137M5054.5%$2M1.16%
Construction$82M4762.7%$3M3.95%
Professional & technical services$80M3612.6%$3M3.15%
Wholesale trade$75M1982.5%$1M1.39%
Arts, entertainment & recreation$74M2042.4%$2M2.65%
Transportation & warehousing$68M4742.2%$2M2.51%
Real estate & leasing$58M1261.9%$766K1.32%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Rankin$211M59665
Harrison$205M45861
Hinds$191M55959
Desoto$185M30066
Covington$160M77819
Madison$155M51265
Jones$132M27328
Leake$129M41615
Jackson$105M26046
Scott$84M18121

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Mississippi institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 3 November 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Mississippi

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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