Bank of Yazoo City
Yazoo City, MS
IDRSSD: 118736
Total Assets
$307.98M
Latest filing
Total Deposits
$271.38M
Latest filing
Net Interest Margin
3.20%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
065300790YAZOO CITY, MS
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Yazoo City
104 N Main St
Yazoo City, MS 39194
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/15/1876FDIC Certificate 7300
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Yazoo City (Main) | 104 N Main St | Yazoo City, MS |
| HIGHWAY 49 BRANCH | 1405 Jerry Clower Blvd | Yazoo City, MS |
| PEARL, MISSISSIPPI BRANCH | 5650 Highway 80 E | Pearl, MS |
| BANK OF YAZOO CITY | 686 Highway 49 | Flora, MS |
| FLOWOOD BRANCH | 1717 Old Fannin Rd | Flowood, MS |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/15/1876 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39194 |
| State and County Number | 28163 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Jackson, MS |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankofyazoo.com |
| Data Updated | 01/30/2026 |
| CERT | 11431 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $307.98M |
| Total Deposits | $271.38M |
| Total Liabilities | $274.26M |
| Total Equity Capital | $33.72M |
| Net Income | $642.00k |
| Net Loans and Leases | $161.38M |
| Assets Per Employee ($Millions) | $7.16M |
| Bank Premises and Fixed Assets | $8.12M |
| Cash and Balances due from Depository Institutions | $18.72M |
| Deposits Held in Domestic Offices | $271.38M |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 7.63% |
| Net Interest Margin | 3.2% |
| Efficiency Ratio | 69.85% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.948% |
| Earning Assets to total Assets | 92.16% |
Income and Expense
| Total Interest Income | $3.29M |
| Total Noninterest Income | $603.00k |
| Total Interest Expense | $1.00M |
| Total Noninterest Expense | $2.02M |
| Net Interest Income | $2.28M |
| Pre-tax Net Operating Income | $795.00k |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.88M |
| Total Liabilities and Capital | $307.98M |
Securities
| Securities | $108.34M |
| Available-for-sale debt securities | $106.08M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.27M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Yazoo City?
$307.98M as of the latest filing.
How much are Bank of Yazoo City's total deposits?
$271.38M in total deposits.
Where is Bank of Yazoo City located?
Yazoo City, MS.
What is the Net Interest Margin?
3.20%.
How many domestic offices does it operate?
5.
When was it established?
04/15/1876.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$161.38M (latest filing).
What is the total interest income (latest filing)?
$3.29M.