United Mississippi Bank
Natchez, MS
IDRSSD: 544335
Total Assets
$555.14M
Latest filing
Total Deposits
$479.80M
Latest filing
Net Interest Margin
4.63%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Mississippi Bank
75 Melrose Montebello Pkwy
Natchez, MS 39120
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/14/1973FDIC Certificate 14570
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| United Mississippi Bank (Main) | 75 Melrose Montebello Pkwy | Natchez, MS |
| FAYETTE BRANCH | 1440 Main St | Fayette, MS |
| MORGANTOWN BRANCH | 1 Morgantown Rd | Natchez, MS |
| DOWNTOWN BRANCH | 203 S Commerce St | Natchez, MS |
| SOUTHERN MOTOR BANK | 20 Seargent S Prentiss Drive | Natchez, MS |
| EUNICE SOUTH 4TH STREET BRANCH | 151 S 4th St | Eunice, LA |
| GLOSTER BRANCH | 647 Highway 33 | Gloster, MS |
| PORT GIBSON FARMER STREET BRANCH | 609 Farmer St | Port Gibson, MS |
Showing 7 of 12
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 | 05/14/1973 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39120 |
| State and County Number | 28001 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | Natchez, MS-LA |
Operational Info
| Number of Employees | 139 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/25/2025 |
| Date of Deposit Insurance | 05/14/1973 |
| Primary Insurance Agency | DIF |
| Website | www.unitedmsbk.com |
| Data Updated | 01/30/2026 |
| CERT | 21083 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $555.14M |
| Total Deposits | $479.80M |
| Total Liabilities | $493.48M |
| Total Equity Capital | $61.67M |
| Net Income | $1.25M |
| Net Loans and Leases | $404.11M |
| Assets Per Employee ($Millions) | $3.99M |
| Bank Premises and Fixed Assets | $11.34M |
| Cash and Balances due from Depository Institutions | $20.51M |
| Deposits Held in Domestic Offices | $479.80M |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 8.12% |
| Net Interest Margin | 4.63% |
| Efficiency Ratio | 79.44% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.108% |
| Earning Assets to total Assets | 92.56% |
Income and Expense
| Total Interest Income | $7.70M |
| Total Noninterest Income | $1.16M |
| Total Interest Expense | $1.64M |
| Total Noninterest Expense | $5.74M |
| Net Interest Income | $6.07M |
| Pre-tax Net Operating Income | $1.25M |
| Provision for Credit Losses | $240.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $29.00k |
| Other borrowed funds | $11.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.68M |
| All Other Liabilities | $1.00M |
| Total Liabilities and Capital | $555.14M |
Securities
| Securities | $99.67M |
| Available-for-sale debt securities | $55.17M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $44.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Mississippi Bank?
$555.14M as of the latest filing.
How much are United Mississippi Bank's total deposits?
$479.80M in total deposits.
Where is United Mississippi Bank located?
Natchez, MS.
What is the Net Interest Margin?
4.63%.
How many domestic offices does it operate?
13.
When was it established?
05/14/1973.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$404.11M (latest filing).
What is the total interest income (latest filing)?
$7.70M.