# UNITED MISSISSIPPI BANK
NATCHEZ, MS · FDIC certificate 21083 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $560.7M | |
| Deposits | $478.9M | |
| Loans and leases | $413.9M | |
| Total equity | $64.3M | |
| Loans / deposits | 85.70% (p61 of band) | 82.04% |
| Liquid assets / assets | 20.88% (p35 of band) | |
| Uninsured deposits / deposits | 18.57% (p24 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.76% (p46 of band) | |
| FHLB advances / assets | 1.96% | |
| Tier 1 leverage | 11.04% (p56 of band) | 10.81% |
| Unrealized securities loss / equity | -7.28% (p53 of band) | -8.10% |
| AOCI / equity | 0.12% (p85 of band) | |
| ROA (annualized) | 1.15% (p42 of band) | 1.28% |
| Net interest margin | 4.67% (p87 of band) | 3.91% |
| Efficiency ratio | 76.41% (p84 of band) | |
| Noncurrent loans | 0.19% (p32 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 446.14% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 18.90% (p24 of band) | |
| Auto loans | $3.6M (0.87% of loans; DQ 4.03%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 137 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | reserve under noncurrent | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | expense ratio p90 |  |
| 2014-06 | 1 |  | expense ratio p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | deposits shrinking |  |
| 2015-12 | 2 | uninsured deposits leaving | deposits shrinking |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2018-06 | 4 | expense ratio p90 |  |
| 2018-09 | 2 |  | capital falling, expense ratio p90 |
| 2018-12 | 3 | expense ratio p90 |  |
| 2019-03 | 2 | capital falling | noncurrent p90, expense ratio p90 |
| 2019-06 | 0 |  | reserve under noncurrent, capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | expense ratio p90 |  |
| 2020-03 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving | expense ratio p90 |
| 2020-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | charge-offs p90 | capital falling |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 0 |  | reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 3 | capital falling, charge-offs p90 |  |
| 2024-06 | 0 |  | deposits shrinking, capital falling, charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 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)

- 2025-01-28 [United Mississippi Bank expands regional footprint, opens tr... - natchezdemocrat.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNdmdybGhuYmJHNzJVd0NGaGZqY1o3ZGRFMmhaUkZTNndxZWZRZl9mU1o1RU9TMjd6Sk9nZkJPV0o1T0c5SjVjZWZqYlZLU29nR1o3OTVCbVNlM1FPVnhBRThWb1dJWDA2U0JmOTRUZjNoTVcyLUlTaVVRYnZCdjl0bWMwTHRaSFlWWnFEajY1bjBjWkFkeEI2a1Q2UlllZWtQWUViY21tcEZFUnNDTDRIV0hVcVNEX2FWZUdad3RyTjNvWE9NMWlJeC1RTUJvaGtCd0piVGJkUQ?oc=5) · natchezdemocrat.com
- 2025-05-31 [UMB expands services in Brookhaven — Deposit and Loan Production Office now full-service branch - Daily Leader](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOa2NZMG01UDVWaEQzS2lhdGdfNHFlY1hQazlGTmN0Nnd0WE52TzhPMHZ5SnMtZ3pTRDYzdlkydWJWa1hSSDluZVQwLWVhLUlBQTBmQ3pad3MzbmxMLXp3VGpFUjZDcDJCZmwtWUk1ZVhZRzNmWjVCcmRnc19Zd0pRdWJHVG5tR3hsdUhtUHN6ek1JWFNYM1NtcDRMdS1rWnZNVUViUjAxSXJGZGhBdEZNRXNGbVdHckZUVzBOUE82MmNxSGFhcEdROA?oc=5) · Daily Leader
- 2024-07-16 [James Michael Biglane - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBHck5DNTUycGgzN2ljTGQwT0N2dXVTcWhxRVoxQW5aZjRTbGtqd0pYSk9vcDRXOWdKcWhzcWR5cWVrS1ZuY0U2SGV0NmVMeW5PWmNCdUEzV2gwYU92ajZweUVB?oc=5) · The Clarion-Ledger
- 2023-05-13 [UMB celebrates 50 years of growth - natchezdemocrat.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOeFRlQjVSMnpTMC0wZVI4TXhyc0hxZ3Y4Z3pOSU5mcnZObDFhN1puUFdiVHBzUm1Cc2lBOERoV3dLRDZjT1VxZXdvVU4ybFdySUNFcmduOWlPYzJ0ZklTdjJuMjV0a2tGMTF2UDdpWjNZYzhRNmV6QUxIem1PdlVOZktBTQ?oc=5) · natchezdemocrat.com
- 2019-02-02 [Bank takes possession of historic Mississippi home and inn - WLBT](https://news.google.com/rss/articles/CBMijAFBVV95cUxPei1hcG1Vb1hNVmZhdXBMekpHbkF3V3B0b0FKN1o3dDEtcGtfWlp6Q2VkMlMyY0F4UndKbVVyMjllbHpqRmRkellNS1dPY1FVdXRidmNCZjIySEZtdGFzb1Z1RTFneWw0M05iTHZRVVJ2ZVhMekJ6WTRMeHQwN241eUZTN0pYYUhpT1lBNtIBoAFBVV95cUxQaFVXc1ItZ0ZmUnJkX0l6Zi1UYUFkQ0RmcjRyOURYeHEyMENRSlpQVnQxc0ExRWJ1QTYzejhVeW80cHQ0SmJxLU9pNmpRaWloRXFCUTI0cThZYmVJQkVZeWhhZUEzSXphbENJNjA4cVE0RWc0bUZRU0tBVFZVRDEtYk1JdWlMeDFCMU0tQkw0czRqOXBjN0dJZ3FxcTd5Q3lt?oc=5) · WLBT
- 2022-08-31 [Sandel named to United Mississippi Bank Board of Directors - natchezdemocrat.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQelg0bEVDRWpBenJReERPN1F5Q2xOOTFWazVWQUpBaWFnT0t6a2FWUzA1Y1FwcGlFS1RoYUZZc0NyNkIycklkaU1ERWFWcXBvRzYyTnNLSXRVTVNlalVYdjVJdUpsVmlmM19uOXFKbUEtbFVjY0JOU1R6cGZYY2ZNU1lCdzhEQmtwRmV1RzB5MXF4ZEZ1SEpTcXpfTk9lWlcyUm80Ug?oc=5) · natchezdemocrat.com
- 2024-12-02 [James Holloway Obituary (1947 - 2024) - Natchez, MS - The Sun Herald - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNX0hHZm94VkxRUC1wOGlhWTlkbHpMM3RJN1IxYk8tYU5vS0EzaWZjRXlzSWZYZW9fN3JWbFYxUW9adVBPRlJwSkFlal84b2hlamhtOXdTdmZRUVVpZk1WOWQwSVE1bkpRaDVNVUlUdHB0ZXVqRTd4SHlNbmZ0UkpKOEtNRUwxbEk4dDFsQjdiQjk?oc=5) · legacy.com
- 2011-06-24 [Deputy shot in bank robbery attempt - WLBT](https://news.google.com/rss/articles/CBMifEFVX3lxTE5UUXlaVVVxSVRma25qZHBYekNMXzdycy1lRlJZZndJUW11RzhqdmR6V09hMllxdFJacnVXR190cHR6UGlXYngwdEt3ZF9vOGRLX05qSkVFUnplenZzMC1IMF9ZdEJBdDlDNTVHVnZqQUdFbU9JR3Vyc3FtdkrSAY8BQVVfeXFMTWczUU9tWnFyc2JWZkZoLWliT2hvQmNaNzByVjg0UThZRWMyNlUxMkhRRFZ0UnBPelh5UmlPMjcxTE5UbHQ4RDhhbTNHOTN3cmZhZjRpTXZ2bTRUUUxSbmVZQlRwc3QybXJwLW8xNkdhU3dQWWtzS1g0akNLTUZzbXFLX3NEb3V3aEpxWS01aHM?oc=5) · WLBT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21083 (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/27.json (key "21083", 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