# BANK OF YAZOO CITY
YAZOO CITY, MS · FDIC certificate 11431 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $318.2M | |
| Deposits | $280.7M | |
| Loans and leases | $183.5M | |
| Total equity | $34.9M | |
| Loans / deposits | 64.69% (p18 of band) | 82.04% |
| Liquid assets / assets | 36.91% (p78 of band) | |
| Uninsured deposits / deposits | 35.04% (p79 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.24% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.00% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -13.34% (p35 of band) | -8.10% |
| AOCI / equity | -1.28% (p17 of band) | |
| ROA (annualized) | 0.99% (p31 of band) | 1.28% |
| Net interest margin | 3.48% (p27 of band) | 3.91% |
| Efficiency ratio | 65.68% (p63 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 10052.63% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 31.34% (p38 of band) | |
| Auto loans | $1.5M (0.84% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | deposits shrinking |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | deposits shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 1 | capital falling | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 2 | NIM <2.5% |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | capital falling | NIM <2.5% |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-11-14 [On the Move: New hires, promotions, recognition - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUFRfS2ZhMlRIYTdIamlmS3ZJVzROVlFrQVdxQ3FNZTl0SDBrc1pnZnpsN1JnaGhZTmRCUFlhd2NYdVBkaVdpbTZsNU45R050S0VFeUhjSkdtSmwxZDl4aVA0bXJaOVQwQlpCRjRtWU82ZlNIcEEyMWowUFVNZU14emUzRk1vRDgxWkRFUEJxN1NudFoyR2JVczhlYkI4NW5PQ3pQSEZuWHJGLXc?oc=5) · The Clarion-Ledger
- 2011-09-21 [Thomas Parry Obituary - Ridgeland, MS - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOeWN2X2o5a2JHRm90M0dHMElmZVlpZTlCX0JpMmt2T2NKR1dzQ0RzT01CbEhpTWZabVhTMTVHY3JBdGlmMTVPbEZXRS10SU13RVZoZWp2VmFzbFZjTzdna1VRdURWRXJWX2VnLVpzWHZyUDE5MU1udEZicXN2bFdIQjNB?oc=5) · Dignity Memorial
- 2026-06-09 [Jerry Grace Obituary (1950 - 2026) - Clinton, MS - The Clinton Courier - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOZ3pNSlN1UlpaRDVmT2NBeWUxajBJcDhkc1ZkckViWUEzNDJsVUZDUXE0SDhEUTdrcjExNGdyY0ZvdjBvU2lOWTFCaWJ0OTV3cHFZOEZhSFdoYzVwLXVDamRRb1lxaHVsTF9UUGllazZSdEY1N01qOEl4TTkxbVdCYmw2a0dHNjcyU0hIUHlxTXllMzBzUWFB?oc=5) · legacy.com
- 2026-08-27 [11 Mississippi Small Towns With Unmatched Friendliness - WorldAtlas](https://news.google.com/rss/articles/CBMiowFBVV95cUxORVBqLTUtYzMyZ3JFWHBBSHN2UE1jcVdWWFJKRXBJZTJuM1JhbWVqMFFGVFNFN1M3b0RWOG5lNEpRMjM3cFhudVJ0eVQ0REZLWnliUlA2Y3cxN1ZFTEpoTklYampnQTVNQWxPeHJYWF9UN1RDbFRhUmxDbUNqNnk3ZG00X3B0MDJ0VENTcHl2MHJTbFdFdkFJMDlqVHNDQ1B4Z1JJ?oc=5) · WorldAtlas
- 2004-03-05 [Community Reaches Out to Hargon Relatives - WLBT](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZDE4M2dDb2lnbG5wMjhhdFZFeFJCSWUwVzNLdV9LVzFHX0w4QlBNQ1ZWa3FkbHlxSFo4SDRSZTBQN3RSRG9EaXNENG5LTmdSQ1hmN2JJT3h4NHJvbFp1djgxdEpNMUQtNVYtcGhQM3Q4cWU2cE02aElpNmI0aURfNEloWdIBlgFBVV95cUxQOHBiOEFxQzFJM0tkOTRZa1hmWVpFcThBSTFHQ1RlbXpfQjRLTEE5NXVXV0dybFZxY1B2ZFNSWGpVV0FuT0gxTnJUWEZrVHBnbHdBV1NXUDlMd1oybnJwNUtRS1RQVmJ3LURjRmwyU1lyT21QcGZsazBGLURsbkR5dlhneFdTdTRVNzZMcXVseXVEWGFQaEE?oc=5) · WLBT
- 2025-07-05 [Joan Breland Obituary (2025) - Grenada, MS - McKibben & Guinn Funeral Service - Grenada - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVEstb2NZSkt4VTJEYnB4c1pZQmpuZEVKUXh0WXhGSTF6QlBwdUU5Sm9fUTJtUVhwSXJHRmljTndTR3M3MFpCUDl5MWlpRnZ6WlFYcEFPNXlRRlMtTm9oanVVZ2pZZFM4czlHMkNxY2VyVld2akhQREQwZ1hZZ1liTw?oc=5) · legacy.com
- 2025-08-29 [8 Undisturbed Towns To Visit In Mississippi - WorldAtlas](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSEpLcEtaMjJ2MXBOdzJURWtEY1ZaOVN1dHlIMDJndkJqUVhWOGYtT1pXMmRmbWR5NThld0dUSWF2TkVPVnVBUXdHWnNMZmQzM1c3bGFMSVJ1a2VTQ3l1NGNLVzdsRjg5Z3lHOWlQWnpqOUhMOG9BVTBXdEZabnlZSmttbGpxdkVDbFE?oc=5) · WorldAtlas
- 2014-08-30 [Miss. scam artist nabbed in Calif. - The Clarion-Ledger](https://news.google.com/rss/articles/CBMilgFBVV95cUxQSHpDV0ZlaTBvaVQza1A4SEIxMW9QeXduUFJrUENOdEozNjU5WjZDSmtVWUhLYXZuS1ZRSF9JckxlNGtlTXFLTVA0MUppdDA4Mkp3SmhxVDNCa1VxY1IwUkRySVM4ZkdIb2Z4eXVNSUxTajRIc3dzM08tbzU5VE1XRXlYWlpaRlV5S0FKWkhFSXhsZDR0a3c?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11431 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "11431", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide