Safest Banks in Mississippi 2026
Mississippi has 45 FDIC-insured banks with an average Bank Health Score of 66/100 (B). The safest bank is Bank of Brookhaven with a score of 97/100.
Data from FDIC Q2 2024
Top 20 of 45 Banks in Mississippi
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Bank of Brookhaven | Brookhaven | A | 97 | 17.46% | 0.00% |
| 2 | Bank of Winona | Winona | A | 94 | 30.47% | 0.47% |
| 3 | Bna Bank | New Albany | A | 94 | 17.40% | 0.68% |
| 4 | Covington County Bank | Collins | A | 94 | 17.81% | 0.74% |
| 5 | Jefferson Bank | Greenville | A | 93 | 18.70% | 0.11% |
| 6 | Pike National Bank | Mccomb | A | 93 | 20.55% | 0.64% |
| 7 | Merchants&Marine Bank | Pascagoula | A | 92 | 16.92% | 0.48% |
| 8 | Holmes County Bank | Lexington | A | 90 | 26.46% | 0.98% |
| 9 | Community Bank of Ms | Flowood | A | 90 | 14.31% | 0.37% |
| 10 | Citizens Nb of Meridian | Meridian | A | 88 | 13.96% | 0.73% |
| 11 | Planters Bank&Trust Co | Indianola | A | 88 | 13.39% | 0.48% |
| 12 | Citizens Bk Philadelphia Ms | Philadelphia | A | 87 | 13.28% | 0.57% |
| 13 | Hancock Whitney Bank | Gulfport | A | 85 | 12.87% | 0.39% |
| 14 | Magnolia State Bank | Bay Springs | A | 82 | 14.93% | 0.21% |
| 15 | Cadence Bank | Tupelo | B | 76 | 11.90% | 0.83% |
| 16 | Trustmark National Bank | Jackson | B | 73 | 11.63% | 0.81% |
| 17 | Renasant Bank | Tupelo | B | 71 | 12.44% | 0.76% |
| 18 | Oxford University Bank | Oxford | B | 67 | 11.06% | 0.55% |
| 19 | First Commercial Bank | Jackson | C | 64 | 12.08% | 0.00% |
| 20 | Cleveland State Bank | Cleveland | C | 62 | 0.00% | 0.03% |
Bank Health Scores for Mississippi are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Bank of Brookhaven in Brookhaven is currently the safest bank in Mississippi with a score of 97/100 (Grade A).
Mississippi has 45 FDIC-insured banks with a combined $155.3B in total assets. The average Bank Health Score across the state is 66/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).