United Mississippi Bank (FDIC #21083): Bank Stress & Real-Estate Credit Exposure
United Mississippi Bank (FDIC Cert #21083): bank stress 62/100, elevated, STABLE over 7 days; parent SOUTHWEST SECURITY INC.
United Mississippi Bank (#21083) lends in 10 counties across 2 states; United Mississippi Bank (#21083) reaches 71 ZIP codes: Mississippi 7 counties, 29 ZIPs; Louisiana 3 counties, 42 ZIPs.
United Mississippi Bank (#21083) largest markets: St. Landry County, LA (19 branches, 19 ZIPs) (#21083), Pointe Coupee County, LA (17 branches, 17 ZIPs) (#21083), Lincoln County, MS (12 branches, 12 ZIPs) (#21083), Amite County, MS (9 branches, 9 ZIPs) (#21083), Franklin County, MS (8 branches, 8 ZIPs) (#21083), Jefferson County, MS (7 branches, 7 ZIPs) (#21083).
United Mississippi Bank (#21083) reports $560.7 million in total assets; United Mississippi Bank (#21083) equity $64.3 million (11.5% of United Mississippi Bank (#21083) assets); United Mississippi Bank (#21083) domestic deposits $478.9 million; United Mississippi Bank (#21083) net income $3.2 million; United Mississippi Bank (#21083) return on assets 1.15%; United Mississippi Bank (#21083) return on equity 10.22%; United Mississippi Bank (#21083) net interest income $12.1 million; United Mississippi Bank (#21083) call report June 30, 2026.
United Mississippi Bank (#21083) noncurrent real-estate loans: none reported; United Mississippi Bank (#21083) net charge-offs on real estate 0.13%; United Mississippi Bank (#21083) residential charge-offs 0.04%.
United Mississippi Bank (#21083) net interest margin 4.67% against an eight-quarter United Mississippi Bank (#21083) average of 4.36% (United Mississippi Bank (#21083) compression -0.32 points); United Mississippi Bank (#21083) non-residential real estate 4.2% of equity; United Mississippi Bank (#21083) rate-exposure score 40/100, United Mississippi Bank (#21083) fixed-rate trap 40/100; United Mississippi Bank (#21083) risk type credit driven; United Mississippi Bank (#21083) rate regime rates elevated, United Mississippi Bank (#21083) snapshot October 19, 2026.
United Mississippi Bank (#21083) stress score moved from 62.2 on June 22, 2026 to 62.4 on October 19, 2026; United Mississippi Bank (#21083) ranged 62.2 to 62.4 over 116 snapshots.
United Mississippi Bank (#21083) alerts: 10 counties; top United Mississippi Bank (#21083) alert scores: Brookhaven County, MS 21 (low); Bude County, MS 21 (low); Eunice County, MS 21 (low); Fayette County, MS 21 (low); Gloster County, MS 21 (low).