United Mississippi Bank (FDIC certificate #21083) is based in Natchez, Mississippi. Its Q2 2026 call report shows $560.7M in total assets and $478.9M in deposits and 13 offices across 2 states.
Based on its Q2 2026 filing, United Mississippi Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 17th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is capital cushion (60/100; 11.04%).
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 (74 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 78 |
| Q4 2024 | 77 |
| Q1 2025 | 75 |
| Q2 2025 | 74 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 73 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.43% |
| Q3 2024 | 12.88% |
| Q4 2024 | 12.55% |
| Q1 2025 | 10.41% |
| Q2 2025 | 10.57% |
| Q3 2025 | 10.69% |
| Q4 2025 | 10.49% |
| Q1 2026 | 10.77% |
| Q2 2026 | 11.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.19% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.89% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.91% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.09% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.14% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $560.7M | 11.04% | 0.19% | 1.15% | 85.7% |
| Q1 2026 | 73 | $563.1M | 10.77% | 0.33% | 1.14% | 84.9% |
| Q4 2025 | 73 | $555.1M | 10.49% | 0.24% | 1.04% | 84.2% |
| Q3 2025 | 73 | $577.2M | 10.69% | 0.23% | 1.09% | 83.4% |
| Q2 2025 | 74 | $545.6M | 10.57% | 0.19% | 1.06% | 79.6% |
| Q1 2025 | 75 | $546.0M | 10.41% | 0.15% | 1.11% | 74.5% |
| Q4 2024 | 77 | $494.0M | 12.55% | 0.27% | 0.91% | 87.5% |
| Q3 2024 | 78 | $477.4M | 12.88% | 0.32% | 0.87% | 83.3% |
| Q2 2024 | 80 | $451.8M | 13.43% | 0.26% | 0.89% | 83.5% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| First Choice BankBank Pontotoc, MS | 61 out of 100, Moderate | $561.0M | 9.5% | 0.31% | vs |
| First BankBank Mccomb, MS | 74 out of 100, Strong | $562.9M | 13.0% | 1.11% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| Century BankBank Lucedale, MS | 69 out of 100, Moderate | $566.2M | 10.1% | 0.60% | vs |
| The Peoples BankBank Ripley, MS | 72 out of 100, Strong | $581.8M | 10.2% | 0.34% | vs |
| Bank of Holly SpringsBank Holly Springs, MS | 52 out of 100, Below average | $587.5M | 13.1% | 4.61% | vs |
Deposit insurance
Is my money safe at United Mississippi Bank?
Yes. United Mississippi Bank is an FDIC-insured institution (FDIC certificate #21083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.6% of deposits ($88.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.04%, 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%).
13 locations
Branches
United Mississippi Bank lists 13 offices in 10 cities across 2 states. Most locations:
- Natchez, MS (4)
- Brookhaven, MS (1)
- Bude, MS (1)
- Eunice, LA (1)
- Fayette, MS (1)
- Gloster, MS (1)
- New Roads, LA (1)
- Port Gibson, MS (1)
- Vidalia, LA (1)
- Woodville, MS (1)
Identity & history
Profile
- Legal name
- United Mississippi Bank
- Former names
- First Natchez Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21083
- RSSD ID
- 544335
- Primary regulator
- FDIC
- Holding company
- Southwest Security Inc
- Established
- May 14, 1973
- Headquarters
- 75 Melrose Montebello Pkwy, Natchez, MS 39120
- Website
- www.unitedmsbk.com
- Employees
- 137
Quick answers
United Mississippi Bank: common questions
Is United Mississippi Bank FDIC insured?
Yes. United Mississippi Bank is an FDIC-insured institution (FDIC certificate #21083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Mississippi Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Mississippi Bank ever failed?
There is no failure record for FDIC certificate #21083 in the FDIC failed bank list.
How many branches does United Mississippi Bank have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Natchez
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Home Bank, National AssociationBank Lafayette, LA | 70 out of 100, Strong | $3.6B | 12.1% | 0.95% | vs |
| Bank of FranklinBank Meadville, MS | 70 out of 100, Strong | $302.3M | 9.9% | 0.27% | vs |
| Delta BankBank Vidalia, LA | 67 out of 100, Moderate | $632.0M | 10.0% | 1.04% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Tensas State BankBank Newellton, LA | 59 out of 100, Moderate | $185.5M | 13.9% | 3.43% | vs |
| One South Federal Credit UnionCredit union Natchez, MS | 58 out of 100, Moderate | $16.7M | 21.2% | 3.42% | vs |