Amory First Savings And Loan Bank, Ssb is a state-chartered bank (fed member) headquartered in Amory, Mississippi, in business for about 92 years. At the end of Q2 2026 it reported $78.7M in total assets and $68.1M in deposits, with 1 office.
Based on its Q2 2026 filing, Amory First Savings And Loan Bank, Ssb scores 66/100, which we describe as moderate. That is higher than only 28% of 546 banks with under $100 million in assets. Among 57 banks headquartered in Mississippi, it ranks 39th. Its strongest component is problem-loan coverage (84/100; 7.9%), and its lowest is earnings (45/100; 0.62%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 69 |
| Q4 2024 | 73 |
| Q1 2025 | 69 |
| Q2 2025 | 66 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.01% |
| Q3 2024 | 13.20% |
| Q4 2024 | 13.32% |
| Q1 2025 | 13.44% |
| Q2 2025 | 13.54% |
| Q3 2025 | 13.08% |
| Q4 2025 | 12.97% |
| Q1 2026 | 12.97% |
| Q2 2026 | 13.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 1.05% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.05% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.74% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.37% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $78.7M | 13.11% | 1.37% | 0.62% | 90.5% |
| Q1 2026 | 65 | $77.0M | 12.97% | 1.00% | 0.16% | 92.1% |
| Q4 2025 | 69 | $75.5M | 12.97% | 0.74% | 0.33% | 91.6% |
| Q3 2025 | 68 | $75.3M | 13.08% | 0.82% | 0.26% | 89.9% |
| Q2 2025 | 66 | $71.9M | 13.54% | 1.05% | 0.16% | 91.1% |
| Q1 2025 | 69 | $71.6M | 13.44% | 0.99% | 0.35% | 84.9% |
| Q4 2024 | 73 | $71.1M | 13.32% | 0.63% | 0.35% | 80.3% |
| Q3 2024 | 69 | $73.8M | 13.20% | 1.05% | 0.43% | 80.0% |
| Q2 2024 | 74 | $74.2M | 13.01% | 0.79% | 0.72% | 77.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Genesis BankBank Benoit, MS | 54 out of 100, Below average | $97.2M | 19.6% | 2.85% | vs |
| Citizens Bank & Trust Co.Bank Marks, MS | 53 out of 100, Below average | $98.6M | 14.0% | 5.50% | vs |
| Richton Bank & Trust CompanyBank Richton, MS | 90 out of 100, Very strong | $52.0M | 15.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Amory First Savings And Loan Bank, Ssb?
Yes. Amory First Savings And Loan Bank, Ssb is an FDIC-insured institution (FDIC certificate #28949). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.0% of deposits ($4.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Amory First Savings And Loan Bank, Ssb lists 1 office in 1 city. Most locations:
- Amory, MS (1)
Identity & history
Profile
- Legal name
- Amory First Savings And Loan Bank, Ssb
- Former names
- Amory Federal Savings and Loan Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 28949
- RSSD ID
- 715975
- Primary regulator
- FED
- Established
- June 1, 1934
- Headquarters
- 213 2nd Ave N, Amory, MS 38821
- Website
- www.amoryfederal.com
- Employees
- 7
Quick answers
Amory First Savings And Loan Bank, Ssb: common questions
Is Amory First Savings And Loan Bank, Ssb FDIC insured?
Yes. Amory First Savings And Loan Bank, Ssb is an FDIC-insured institution (FDIC certificate #28949). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Amory First Savings And Loan Bank, Ssb's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Amory First Savings And Loan Bank, Ssb ever failed?
There is no failure record for FDIC certificate #28949 in the FDIC failed bank list.
How many branches does Amory First Savings And Loan Bank, Ssb have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Amory
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| N. Mississippi Health Services Emp. Federal Credit UnionCredit union Tupelo, MS | 97 out of 100, Very strong | $14.0M | 20.9% | 0.00% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| Tombigbee Federal Credit UnionCredit union Amory, MS | 87 out of 100, Very strong | $5.5M | 19.4% | 1.18% | vs |
| The Bank of VernonBank Vernon, AL | 85 out of 100, Very strong | $445.4M | 16.6% | 0.47% | vs |