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

Trustmark Bank

Jackson, Mississippi · $19.19B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

0.9x
Coverage of noncurrent
12th of 12
63.0%
Efficiency
11th of 12
1.14%
NPA / loans
10th of 12

Trustmark Bank is the eighth largest of the 12 the South Central states banks nearest its size over $10B, with $19.19B in assets at 30 June 2026. Loans are 87.6% of deposits, 4th of 12 against a median of 90.8%, and equity is 11.6% of assets, 9th of 12. Loans grew +3.9% in the year, 9th of 12, and deposits grew 6.6%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 1.14% of the book, 10th of 12 against a median of 0.92%; 0.43% is 30 to 89 days past due, and the allowance covers them 0.9 times. Net charge-offs are 0.12% of loans, 6th of 12. Commercial real estate is 35.5% of loans, 5th of 12 against a median of 36.9%, and 237% of capital, below the 300% screen, with construction at 57% against the 100% screen.

Return on assets is 1.33%, 8th of 12 against a median of 1.39%, on an efficiency ratio of 63.0%, 11th of 12. Five years ago it was 1.21%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 55.5% SB Servisfirst Bank 29.6% BO Bank Ozk 39.5% CB Centennial Bank 42.2% SY Stock Yards Bank & Trust Co. 52.6% F Firstbank 52.8% HW Hancock Whitney Bank 55.3% RB Renasant Bank 55.7% FH First Horizon Bank 56.0% SB Simmons Bank 56.8% OB Origin Bank 57.1% TB Trustmark Bank 63.0% AB Arvest Bank 81.6%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Trustmark Bank is the 5th largest 7(a) lender into Mississippi of 206, with $155M across 1,047 loans, 5.2% of everything approved in the state (Community Bank of Mississippi leads with $460M). 64 of its 101 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
Harris, TX$38M54th of 3140.5%-0.1 pts
Lincoln, MS$15M1st of 1931.9%-29.7 pts
Hinds, MS$14M4th of 577.3%-1.7 pts
Madison, MS$13M2nd of 658.4%+8.8 pts
Jones, MS$12M3rd of 289.5%-9.1 pts
Rankin, MS$11M5th of 655.0%-0.5 pts
Shelby, TN$10M20th of 1391.3%+0.0 pts
Pike, MS$9M1st of 1924.1%-17.4 pts
Walthall, MS$8M2nd of 1030.9%quiet FY2022
Amite, MS$7M2nd of 1118.0%-17.8 pts
Copiah, MS$6M2nd of 1617.1%-54.7 pts
Fort Bend, TX$6M55th of 1800.4%-0.3 pts
Covington, MS$6M9th of 193.8%thin
88 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 & fishing164$53M20.1%0.65%17th of 1,007
Accommodation & food services186$35M13.3%0.05%278th of 2,596
Retail trade187$32M12.2%0.05%241st of 2,589
Health care & social assistance141$24M9.1%0.05%232nd of 2,172
Manufacturing83$20M7.6%0.05%304th of 2,246
7(a) lenders into Mississippi, share of approvals since FY2008206 lenders on record; the ten largest and Trustmark Bank
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; owner-occupied excluded; bold marks a screen met
Trustmark BankRankCohort median
Total CRE against capital, the 300% screen237%5th of 12252%
Construction against capital, the 100% screen57%4th of 1267%
Construction and land development, share of loans8.6%4th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans13.4%2nd of 1221.4%
Total CRE, the guidance definition, share of loans35.5%5th of 1236.9%
CRE growth over 36 months, the third prong+5.7%4th of 12+14.8%

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
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Trustmark BankCohort median
20212026Change20212026Change
Loans$10.65B$14.21B+33%$10.62B$17.56B+65%
Deposits$14.75B$16.22B+10%$14.43B$19.75B+37%
NPA / loans1.25%1.14%-0.11 pts0.61%0.92%+0.31 pts
Efficiency69.9%63.0%-6.8 pts62.9%55.5%-7.4 pts
ROA1.21%1.33%+0.12 pts1.40%1.39%-0.01 pts

This read was prepared for Trustmark Bank'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 Trustmark Bank 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 over $10B
Institution www.trustmark.com

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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