Total Assets
$853M
Total balance-sheet footings
FDIC Cert #19448 · New Albany, Mississippi · Est. 1896
BNA Bank - FDIC Bank Health Profile
A community-scale look at BNA Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $853M
- Total assets
- A
- Health grade · Excellent
- 1.37%
- Return on assets
- 16.9%
- Tier 1 capital
Data updated July 2026
The verdict
BNA Bank earns a PlainBankData health grade of A (91/100), with well-capitalized at 16.88% Tier 1, profitable at 1.37% ROA, efficient (49% cost ratio).
- #1,195
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 16.88%
- Tier 1 ratio - above the 10% well-capitalized line
- 68th
- 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.
How BNA Bank's 91/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
BNA Bank's composite health score
Tier 1 Capital Ratio (16.88%) 40/40
Return on Assets (ROA) (1.37%) 20/25
Texas Ratio (11.01%) 16/20
Efficiency Ratio (48.73%) 15/15
91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$698M
Customer-funded liabilities
Net Loans
$534M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BNA Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BNA Bank's score of 91/100 falls in the highlighted band.
BNA Bank'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). BNA Bank's $853M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.88% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.88%
Texas Ratio
11.01%
Equity Capital
$88M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.37%
Return on Equity (ROE)
13.16%
Efficiency Ratio
48.73%
What the numbers say about BNA Bank
BNA Bank is an FDIC-insured institution (Certificate #19448) headquartered in New Albany, Mississippi, established in 1896. It holds $853M in total assets - 1,195th of 4,313 FDIC-insured banks, $698M in customer deposits, and $534M in net loans. Capital-wise, the Tier 1 ratio sits at 16.88%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 11.01%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (91 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
BNA Bank sits 18th of 57 banks headquartered in Mississippi by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$43M
Interest Income
$4M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BNA Bank reports a Texas Ratio of 11.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BNA Bank (FDIC Cert #19448) - 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.
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% |
Frequently asked questions
What is BNA Bank's health grade?▼
BNA Bank receives a health grade of A (91/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is BNA Bank?▼
BNA Bank holds $853M in total assets and $698M in deposits, ranking 1,195th of 4,313 FDIC-insured banks by asset size. It is headquartered in New Albany, Mississippi.
Is my money safe at BNA Bank?▼
Yes, deposits at BNA Bank (Certificate #19448) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BNA Bank's Tier 1 Capital Ratio?▼
BNA Bank has a Tier 1 Capital Ratio of 16.88%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for BNA Bank?▼
BNA Bank has a Texas Ratio of 11.01%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BNA Bank?▼
BNA Bank has an Efficiency Ratio of 48.73%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BNA Bank's profile as a depositor or analyst.
- BNA Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BNA Bank against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.