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First National Bank Of Clarksdale
Clarksdale, MS · FDIC Certificate #19070 · Chartered 04/0
Total assets
$386.10M
Total deposits
$342.00M
Total equity
$40.53M
Net loans
$246.58M
Branches (offices)
5
Net income (YTD)
$1.47M
Rank: #2,113 of 4,213 U.S. banks by assets · #31 of 57 in Mississippi. Assets changed 1.1% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 7.41% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 10.50% |
| Tier 1 leverage ratio | 12.83% |
| Uninsured deposits (share of deposits) | 34.1% |
| Noncurrent loans (share of loans) | 0.64% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 72.1% |
| Real estate loans (share of loans) | 66.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $162.94M | 66.1% | |
| Commercial & industrial | $22.87M | 9.3% | |
| Consumer / individual | $6.84M | 2.8% | |
| Construction & development | $46.14M | 18.7% | |
| Agricultural | $56.28M | 22.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $411.26M | $371.75M | $2.17M | $36.65M |
| Jun 2023 | $382.10M | $332.81M | $1.74M | $35.06M |
| Jun 2024 | $385.73M | $334.29M | $1.92M | $36.87M |
| Jun 2025 | $381.94M | $339.81M | $1.75M | $38.43M |
| Jun 2026 | $386.10M | $342.00M | $1.47M | $40.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $342.00M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $342.00M.
Similar-sized banks
First National Bank & Trust Co. ($386.38M) · Security Federal Savings Bank Of Mcminnville ($385.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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