United Mississippi Bank
Natchez, MS
IDRSSD: 544335
Total Assets
$577.17M
Latest filing
Total Deposits
$491.61M
Latest filing
Net Interest Margin
4.57%
Profitability
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 11/14/2025Established 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 | 137 |
| Domestic Offices | 14 |
| 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 | 11/14/2025 |
| CERT | 21083 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $577.17M |
| Total Deposits | $491.61M |
| Total Liabilities | $516.11M |
| Total Equity Capital | $61.06M |
| Net Income | $1.61M |
| Net Loans and Leases | $410.24M |
| Assets Per Employee ($Millions) | $4.15M |
| Bank Premises and Fixed Assets | $10.63M |
| Cash and Balances due from Depository Institutions | $34.00M |
| Deposits Held in Domestic Offices | $491.61M |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 10.75% |
| Net Interest Margin | 4.57% |
| Efficiency Ratio | 76.38% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.58% |
| Earning Assets to total Assets | 92.61% |
Income and Expense
| Total Interest Income | $7.49M |
| Total Noninterest Income | $1.22M |
| Total Interest Expense | $1.56M |
| Total Noninterest Expense | $5.46M |
| Net Interest Income | $5.93M |
| Pre-tax Net Operating Income | $1.60M |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $123.00k |
| Other borrowed funds | $21.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.89M |
| All Other Liabilities | $1.61M |
| Total Liabilities and Capital | $577.17M |
Securities
| Securities | $102.00M |
| Available-for-sale debt securities | $56.63M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $45.37M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Mississippi Bank?
$577.17M as of the latest filing.
How much are United Mississippi Bank's total deposits?
$491.61M in total deposits.
Where is United Mississippi Bank located?
Natchez, MS.
What is the Net Interest Margin?
4.57%.
How many domestic offices does it operate?
14.
When was it established?
05/14/1973.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$410.24M (latest filing).
What is the total interest income (latest filing)?
$7.49M.