PHILADELPHIA, MS · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$1.5B
Total Deposits
$1.3B
Net Loans
$837M
Net Income
$3M
ROA
0.68%
Below avg for Community banks. Peer avg: 0.90%
ROE
13.33%
Risk-Based Capital
13.41%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 420 | 74.52% | 7.14% |
| 2023 | 287 | 72.47% | 12.54% |
| 2022 | 332 | 81.63% | 9.04% |
| 2021 | 341 | 72.14% | 14.08% |
| 2020 | 416 | 70.43% | 12.74% |
| 2019 | 376 | 75.27% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2023 | Satisfactory | Intermediate Small Bank |
| Jun 2020 | Satisfactory | Intermediate Small Bank |
| Feb 2017 | Satisfactory | Intermediate Small Bank |
10 previous ratings locked — back to 1991
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Total Branches
26
Branch Deposits
$1.3B
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 2018 | 288 | 75% | 14.24% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red