# BANKPLUS
BELZONI, MS · FDIC certificate 5903 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $8.38B | |
| Deposits | $7.35B | |
| Loans and leases | $6.41B | |
| Total equity | $942.2M | |
| Loans / deposits | 86.31% (p49 of band) | 87.10% |
| Liquid assets / assets | 18.68% (p40 of band) | |
| Uninsured deposits / deposits | 18.52% (p15 of band) | 30.76% |
| Brokered deposits | 0.93% | |
| Wholesale funding | 0.93% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.84% (p57 of band) | 10.50% |
| Unrealized securities loss / equity | -2.02% (p81 of band) | -7.75% |
| AOCI / equity | -1.24% (p13 of band) | |
| ROA (annualized) | 1.27% (p51 of band) | 1.26% |
| Net interest margin | 3.82% (p57 of band) | 3.70% |
| Efficiency ratio | 61.94% (p60 of band) | |
| Noncurrent loans | 0.64% (p59 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p59 of band) | |
| Reserve coverage of noncurrent | 176.16% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 50.67% (p54 of band) | |
| Auto loans | $12.4M (0.19% of loans; DQ 1.20%, NCO 0.00%) | |
| Loans to nondepository financials | $5.9M (1% of equity) (p74 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 1023 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 | capital falling | reserve under noncurrent |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | capital falling, reserve under noncurrent |  |
| 2015-09 | 0 |  | capital falling, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 | capital falling | charge-offs p90 |
| 2017-06 | 1 | charge-offs p90 | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | charge-offs p90 |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | construction >100% equity |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 1 |  | capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 0 |  | construction >100% equity, capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | uninsured deposits leaving |  |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | uninsured deposits leaving |  |
| 2026-06 | 0 |  | uninsured deposits leaving |

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

- 2026-07-15 [$20K Grant from FHLB Dallas and BankPlus Paves the Way for Mississippi Family’s First Home Purchase - Business Wire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOTnVSbG1OdkUweDBGSHdlZFhrcUJzZ1pndUNkZERNME5pTUlZN2Z3UVVsbDZuaG84LWhRSXBXLWtlVXVQdEFLblc5TlNKUklkS1U5aWcybnNpUTJQZXZSOVlvTlhfT2xmOUhIaWlJb09HYnM2bXdOc2lKVFZ4N2IwV2VaRVlwd1Bfd2I4dnZBb1VmX0cwWDhFdkFIV1lkb2hjTnpocy1Sc0hjd0V3TUIwRW96WW5YaTJKSnBEcjdycHJnT1ZCNnFRTnRrdlpNTDNHSmplQTBJRFFtSUsxcVRsYWdRWjFORjFzMzlrM3ln?oc=5) · Business Wire
- 2025-12-02 [Best Banks in Mississippi of 2026 - GOBankingRates](https://news.google.com/rss/articles/CBMie0FVX3lxTE5ZU1B0cm9CZ0J6TGpYZTFfZWRoSW8wZ1pIeFNVc1pPVEhKTFpzRXM4ZF9na0pZcWpUems0eXZlLTh6cFJsdXdwQ01UcExFMHdxZi1uUmwtZzZhbDlRZ1FrWk9tSHR5WmkxMlNEek9KX2w2WnZYNGZKOFl2WQ?oc=5) · GOBankingRates
- 2025-09-04 [Bank of Franklin acquires BankPlus McComb branch - Daily Leader](https://news.google.com/rss/articles/CBMijAFBVV95cUxNSzJVZTJnT2hOUXNQdFZTcmpHdHdTS3Zoc0pnTG1DRUE2MEc1eHZtenE4eHhVZUhtODE2cWl6UEpacVpRNmk4b2p3TFNmcTQ4MWduU1EzREkwci1md3phYmJNTUp2bG1OYjJOYW5IUERSbHdZOTBBNkZlX21QVEdBcUx2Tm11RVFEeW9GWA?oc=5) · Daily Leader
- 2025-01-28 [United Mississippi Bank expands regional footprint, opens tr... - natchezdemocrat.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNdmdybGhuYmJHNzJVd0NGaGZqY1o3ZGRFMmhaUkZTNndxZWZRZl9mU1o1RU9TMjd6Sk9nZkJPV0o1T0c5SjVjZWZqYlZLU29nR1o3OTVCbVNlM1FPVnhBRThWb1dJWDA2U0JmOTRUZjNoTVcyLUlTaVVRYnZCdjl0bWMwTHRaSFlWWnFEajY1bjBjWkFkeEI2a1Q2UlllZWtQWUViY21tcEZFUnNDTDRIV0hVcVNEX2FWZUdad3RyTjNvWE9NMWlJeC1RTUJvaGtCd0piVGJkUQ?oc=5) · natchezdemocrat.com
- 2023-12-17 [BankPlus reverses decision to close branch in Holmes County - WLBT](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUTJERHc0c0JKeGhLSDlSSDJBdWdseER4UmlDOVk5cVJ6UTRlckJ4SkJWNXdEazM0emxodkgzZFB6bWt3NUlBanBUUG9lNnItMVh1TUgzNVZPUkwzYlRXU3JTUjUtdW4xUmhtZEh4VnNrSXc2Mnp0YS1mcGNRbXBWcXUxUjV2SVBCS2tzSW4xVdIBowFBVV95cUxPa1poaUFGN241NDEyOFJ2bkEtaE10MHVnSTBlcU9UNFZIeVl2WC1xbXUyQlpoaWJ3ZnI0Z2c4YlVSTzYtYldoSnpHMW9FX0pNbS16ZTFkcW1Jd0laX3FZT1R5Yk94aTBSZ3AxNVFWWHlYMmpoMnV3S2pyUEVaSHlMcnR2cUJYLXZETWt0UkpGUU9CMFo1RTQ4czBielFiMUpyRXhZ?oc=5) · WLBT
- 2024-04-02 [John Murry Greenlee - Delta Business Journal](https://news.google.com/rss/articles/CBMiZkFVX3lxTE00LW5BemQxMC1VQ2hKd1FGRW5QV3lCMDVmTDB5eFFLQjFGaGhzVWxKRHlBUkJQTHhLUG8ya0lhWmZwN1FJN2tSWXZ0YUlRNFlKOHJfSHo2anBvVGc2NlBpY01QLVBfUQ?oc=5) · Delta Business Journal
- 2022-08-24 [BankPlus Announces Integration of First Bank and Trust - Biz New Orleans](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNLWpBQ1Y4bENaYWFsUHJrVG83WGh1bEp0VGltdVZ3V0lYUXJxSUZWT1F3dFphNlVxakxxQzNuUUJ1ODNZT2Y0ZDE1eGlkRDdmdk9lMHVZVzRTT2VkNlE4OXFFNUVBNUpyRllFZFU4Mzc0SWxYRmhtdnBXeGF4dlJQQ25YTDBZVUJE?oc=5) · Biz New Orleans
- 2024-07-23 [BankPlus Review 2024 - businessinsider.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE0zN2RnNjhDT01oT3VsYzB1WTBxMDF3TUxrUGFBdGlBV1RTUUY5NWNlTEJmZHlDSTRaRzdHS1VyRi1TWE9Yb1ZJTGxPdFB1LWNxZTJBM3QzNEhXTTM0YzlZNGdFbE1ZRkhlRktGQnRJWlFoYmhrMFd1blZPd20?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5903 (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/15.json (key "5903", 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