# BNA BANK
NEW ALBANY, MS · FDIC certificate 19448 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $855.7M | |
| Deposits | $718.7M | |
| Loans and leases | $551.9M | |
| Total equity | $94.2M | |
| Loans / deposits | 76.15% (p37 of band) | 82.04% |
| Liquid assets / assets | 30.16% (p65 of band) | |
| Uninsured deposits / deposits | 30.11% (p67 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.97% (p53 of band) | |
| FHLB advances / assets | 3.97% | |
| Tier 1 leverage | 12.49% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -25.93% (p16 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 1.60% (p70 of band) | 1.28% |
| Net interest margin | 3.78% (p42 of band) | 3.91% |
| Efficiency ratio | 45.25% (p11 of band) | |
| Noncurrent loans | 0.72% (p64 of band) | 0.43% |
| Net charge-offs (annualized) | 0.97% (p98 of band) | |
| Reserve coverage of noncurrent | 114.98% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 52.78% (p59 of band) | |
| Auto loans | $15.1M (2.74% of loans; DQ 3.37%, NCO 0.01%) | |
| Loans to nondepository financials | $2.6M (3% of equity) (p92 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

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

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

- 2024-03-26 [After 50 years, Bo Collins retires from BNA Bank - djournal.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOcFlJZ0t4czRreDV3SWU2YUVBaGFBcDZySkNaTUJTYWlwQzc5clE4ZElydXV0S0pzb215bnBiZnRoWWJUMDJmYVJQNnROTVBwZjNIQ2FMTGl2OEg5RTVRcDlub3l1YUhyUklvX1lVODhubUVsZVlQZ0FpTml0aHdjWDFxYlJWUlAwbDhmVjFPSDBGTWM5U0M0NFJKWHFTdElsWGxKN2FNMUdURXhBU0U3amNiS3I4WlQ4U3UtOWN4UktldnJXRjdaTXk2ZXg3ZW5YZ0E?oc=5) · djournal.com
- 2021-02-22 [BNA Bank (MS) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMieEFVX3lxTE1qb2hWeGJ0eFY0R1hCRF9qMWkyNnpMSE9wR0dRTjEwU0R4MHVsZTVKN0FoX0d5SG5zTk9Lb0xhZUJJUUFzMzJtS3paVWpydENRUHI0UjNnMUY5WUFmbDJwemN3bmpWVkV6MmxfWnh5U016bWpiR2hnWg?oc=5) · SmartAsset
- 2024-03-27 [BNA Bank announces administrative promotions, retirement of CEO - djournal.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQRjA2NktkdjVxdEhRY0s5a0x0UHJGR2NnWXFIYVBVNUVONEZhaVFNQk1xVlpOWHdORTNrMDZPcE9FVVRpZ0JZRXNwS2xlRFhBam0zX1d1QzRIUlJiaFZIVnJYVVVhSGNDRU1oODhkMVJIbWh3bnQ3ai1Ic3VMR1g2MWdnYmg5MlB5eHVnSVVEczhWTWxZVTBWWXctXzJTQmw4QzVPaXJkb3YtaXNPMndfSHpRRDUzOHljWmpOeVV4XzVGUXltcmMtSDhzR1dvN3RIUFFQS0RQQ01UQUROQnVnYUtn?oc=5) · djournal.com
- 2026-08-27 [Brennon Chapman and the stories behind 2016-20 Ole Miss football - 247Sports](https://news.google.com/rss/articles/CBMivgFBVV95cUxNQlBfVXI0dS10RzVHRENEM3Q1QmRUSEVBMnlFbmtiQ19Db0VkUmpBdmo3cmJnNUlFaExzd3hIdzYyQmdpdlJrRTNXNndnVUlyV043UlM5N0w5cnZHLTRPRzhIVWVnaWViNnlfOFRuV3NTR3pkZEpoOFpxaWVTTmNBNG8zdlRLdks0SFQ2OGhvMUh0ZWRGQnY3bjJfUmtsZWd3cjRLZnJYOGR3WHJiMF9MTTBvMDB4emRLUUJ1bWd3?oc=5) · 247Sports
- 2026-06-10 [Vanessa Williams Obituary (1962 - 2026) - New Albany,, MS - The Daily Journal - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPVmswM2RreU9jc3MtWm5PQndFdFI4RDE2WEwwVGs5bGx3OWhfdXZDOV9Yc1JnczB6aHVjOE9MSzdqYXBPVUJvYmZqdWttUUpIVlE2QW5DNE1McnJzTjNJSTZ3dHNQaUpicXBtb05DVkhuZHY0blltMWdYckVBQlNyVkVBaFcxcUVkb01WaXFYYlY5UQ?oc=5) · legacy.com
- 2026-05-22 [Man charged with two counts of false pretense in Tupelo - WCBI TV](https://news.google.com/rss/articles/CBMigwFBVV95cUxPSk5MMmpfWGtXaVo5Q0hsNzE5UlpWZGF3ZUVKXzR1UWptZlJJSTBmQnA5VzBkTjBvdldram1Wb3BTWDdlbG5QY18yRlNndm9JVXdma1NGYlAwMWFHb0JYNUpIN1NqTEg1MUpSWTREY193U1UtR295ZmRFcEdxNDY4NjFSSQ?oc=5) · WCBI TV
- 2023-03-08 [City adds 8.6 acres to BNA Bank Park | New Albany Gazette - djournal.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOYThXWnFybUxESk5COGVNQ0lkXzMtNW5zRTVHcG9wM1h6eHNIem8wSjNWakxNY2lid0dmeGxjSGFZRUJOWlBEZlpLLU54MEtVaUNJMGNkNk5sVC1Bc0w5UVhiRXV3cHJ4SnNtcV9Ha3ZkaF9WZFA4M1BmeUhxSWFqTXlKbnpsTmVQR1hNMXBNRktCRURjd1RDelpXaFJKT3Jpa3VlZ3hObXlyNURURkJvOHlWaWJfMTBraVZaa0RRUQ?oc=5) · djournal.com
- 2018-04-20 [Tommy Shannon Obituary (1943 - 2018) - New Albany, MS - The Daily Journal - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQWHpodkY3aHJ0WVNJRi1YM01hV1JWazNUaHF3RlNidXJqUnlDU1UxekxqdmRfTVp3bE80eGs5VXJySGZIR0dnRjZmTERhV3JsOTRQdHdlWjNmWGlaYk5uZktrTVgtbVRFbHRCd0JsLXppdlhJS2JjZWE0SUZiZHNLQnFPQ2NmOVptbk5PYzVn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19448 (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/56.json (key "19448", 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