Total Assets
$308M
Total balance-sheet footings
FDIC Cert #11431 · Yazoo City, Mississippi · Est. 1876
Bank of Yazoo City - FDIC Bank Health Profile
A community-scale look at Bank of Yazoo City's own numbers, pulled straight from its quarterly FDIC Call Report.
- $308M
- Total assets
- B
- Health grade · Good
- 0.74%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Yazoo City earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.38% Tier 1, 0.74% ROA, 72% efficiency ratio.
- #2,452
- largest of 4,313 FDIC banks by assets
- 43rd
- percentile by asset size, nationally
- 12.38%
- Tier 1 ratio - above the 10% well-capitalized line
- 26th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
FDIC Call Report plate
Cert 11431 · MS B · 73/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-B B (73/100)
- MID-PACK #2798/4307
- PHOTO-FINISH First State Bank and… · TX
- TIER1-WELL 12.4% Tier 1
- TEXAS-CLEAN 0.2% Texas
- ROA-THIN 0.74% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Mississippi: First State Bank and Trust Company, TX (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Bank of Yazoo City
Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.
What Bank of Yazoo City's Call Report plate shows
Bank of Yazoo City (FDIC Cert #11431) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,798 of 4,307. Tier 1 capital prints at 12.38%, clearing the 10% well-capitalized line. The Texas Ratio is 0.18%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.74%. Balance-sheet scale is $308M, 2,452nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank and Trust Company (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Bank of Yazoo City
3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)
Bank of Yazoo City's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Yazoo City remains an active FDIC-insured reporter.
- HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
- FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
- BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.
How Bank of Yazoo City's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (12.38%) 35/40
Return on Assets (ROA) (0.74%) 14/25
Texas Ratio (0.18%) 20/20
Efficiency Ratio (71.59%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$271M
Customer-funded liabilities
Net Loans
$161M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Yazoo City ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Yazoo City's score of 73/100 falls in the highlighted band.
Bank of Yazoo City: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
73 35th percentile higher than 35% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Bank of Yazoo City's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Yazoo City's $308M falls in the highlighted band.
Safety ratios for Bank of Yazoo City
Tier 1 capital ratio
Well-capitalized 10%
12.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.38%
Texas Ratio
0.18%
Equity Capital
$34M
Profitability metrics: Bank of Yazoo City
Return on Assets (ROA)
26th percentile nationally
0.74%
Return on Equity (ROE)
7.29%
Efficiency Ratio
71.59%
Income & expense at Bank of Yazoo City
$13M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Yazoo City reports a Texas Ratio of 0.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($308M here), outside Mississippi so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Yazoo City (FDIC Cert #11431) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Bank of Yazoo City Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |