🏦Bank Scorer

BANK OF YAZOO CITY

YAZOO CITY, MS · Supervised by FDIC

Est. 1876FDIC #11,431RSSD: FDIC-11431
Part ofYAZOO CAPITAL CORP→ View all charters
Outstanding Up

Current rating · Exam: October 2021

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

104 N Main St, YAZOO CITY, MS

County

Yazoo County

Established

April 15, 1876

Total Assets

$326M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$326M

Total Deposits

$290M

Net Loans

$167M

Net Income

$636K

ROA

0.80%

ROE

7.52%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.89%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$287M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410185.15%10.89%
20238780.46%13.79%
202212286.07%10.66%
202116085.63%10.63%
202017688.64%10.23%
201916872.62%19.64%
201818379.23%14.75%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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