RANKING ·
Lowest efficiency ratio in Mississippi
53 of 57 banks in Mississippi that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | The Jefferson Bank | Greenville, MS | 41.2% | $211 million |
| 2 | Fnb Picayune Bank | Picayune, MS | 43.8% | $282 million |
| 3 | Bna Bank | New Albany, MS | 45.9% | $856 million |
| 4 | Riverhills Bank | Vicksburg, MS | 46.1% | $445 million |
| 5 | Peoples Bank | Mendenhall, MS | 51.4% | $503 million |
| 6 | Citizens Bank | Columbia, MS | 54.9% | $466 million |
| 7 | Hancock Whitney Bank | Gulfport, MS | 55.2% | $36.3 billion |
| 8 | Commerce Bank | Corinth, MS | 56.6% | $168 million |
| 9 | Renasant Bank | Tupelo, MS | 56.6% | $27.0 billion |
| 10 | Farmers and Merchants Bank | Baldwyn, MS | 57.2% | $566 million |
| 11 | The Peoples Bank | Ripley, MS | 57.3% | $582 million |
| 12 | Covington County Bank | Collins, MS | 58.0% | $109 million |
| 13 | Bank of Winona | Winona, MS | 58.2% | $143 million |
| 14 | Guaranty Bank and Trust Company | Belzoni, MS | 58.7% | $3.1 billion |
| 15 | Priorityone Bank | Magee, MS | 58.9% | $1.2 billion |
| 16 | Bank of Commerce | Greenwood, MS | 59.1% | $1.1 billion |
| 17 | Bank of Anguilla | Anguilla, MS | 59.4% | $192 million |
| 18 | Bank of Forest | Forest, MS | 60.4% | $296 million |
| 19 | Planters Bank & Trust Company | Indianola, MS | 60.7% | $2.7 billion |
| 20 | Bank of Yazoo City | Yazoo City, MS | 60.8% | $318 million |
| 21 | First Southern Bank | Columbia, MS | 61.9% | $317 million |
| 22 | First Bank | Mccomb, MS | 62.1% | $563 million |
| 23 | Bank of Brookhaven | Brookhaven, MS | 62.5% | $262 million |
| 24 | Trustmark Bank | Jackson, MS | 62.6% | $19.2 billion |
| 25 | Fnb Oxford Bank | Oxford, MS | 62.9% | $940 million |
| 26 | The Citizens National Bank of Meridian | Meridian, MS | 63.0% | $1.9 billion |
| 27 | The Commercial Bank | De Kalb, MS | 63.2% | $295 million |
| 28 | Pike National Bank | Mccomb, MS | 63.2% | $409 million |
| 29 | Community Bank of Mississippi | Flowood, MS | 63.8% | $5.1 billion |
| 30 | Bankfirst Financial Services | Columbus, MS | 64.3% | $3.3 billion |
| 31 | Bankplus | Belzoni, MS | 64.4% | $8.4 billion |
| 32 | First Security Bank | Batesville, MS | 64.5% | $977 million |
| 33 | The Bank of Holly Springs | Holly Springs, MS | 64.7% | $588 million |
| 34 | Bank of Kilmichael | Kilmichael, MS | 65.4% | $342 million |
| 35 | Bankokolona | Okolona, MS | 65.5% | $360 million |
| 36 | Merchants and Planters Bank | Raymond, MS | 65.8% | $199 million |
| 37 | Bank of Franklin | Meadville, MS | 66.3% | $302 million |
| 38 | The Cleveland State Bank | Cleveland, MS | 66.7% | $340 million |
| 39 | Century Bank | Lucedale, MS | 66.9% | $566 million |
| 40 | First Choice Bank | Pontotoc, MS | 68.2% | $561 million |
| 41 | Story Bank Dba Story Financial Partners | Jackson, MS | 68.8% | $1.0 billion |
| 42 | Merchants & Marine Bank | Pascagoula, MS | 69.2% | $1.3 billion |
| 43 | The Citizens Bank of Philadelphia | Philadelphia, MS | 69.8% | $1.6 billion |
| 44 | Copiah Bank | Hazlehurst, MS | 73.3% | $332 million |
| 45 | United Mississippi Bank | Natchez, MS | 76.0% | $561 million |
| 46 | First National Bank of Clarksdale | Clarksdale, MS | 76.7% | $386 million |
| 47 | Great Southern Bank | Meridian, MS | 81.3% | $355 million |
| 48 | First Federal Savings & Loan Association of Pascagoula-Moss Point | Pascagoula, MS | 81.7% | $381 million |
| 49 | First State Bank | Waynesboro, MS | 81.9% | $952 million |
| 50 | Bank of Wiggins | Wiggins, MS | 82.5% | $228 million |
| 51 | The Peoples Bank, Biloxi, Mississippi | Biloxi, MS | 83.4% | $771 million |
| 52 | Unity Bank of Mississippi | Holly Springs, MS | 85.0% | $282 million |
| 53 | Grand Bank for Savings, F.S.B. | Hattiesburg, MS | 89.0% | $280 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings