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BANCORPSOUTH BANK

BANK

TUPELO, MS · NM

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Total Assets
$53.5B
—
Total Loans
$37.5B
—
Texas Ratio
5.6%
-0.2
Non-Performing Loans %
1.0%
-0.0

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)————
Commercial real estate————
Construction & land————
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

FOUNDATION

Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

BANCORPSOUTH BANK currently appears on: NPL Volume Leaders by Category · NPL Volume Leaders by Category · NPL Volume Leaders by Category · NPL Volume Leaders by Category

Recent acquisitions

Institutions BANCORPSOUTH BANK absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • Citizens State BankBuffalo, TX · Jul 1, 2025 · Merger
    Inherited NPL volume
    $345K
    Inherited NPL %
    0.14%
    Total loans inherited
    $239M
    Total assets inherited
    $950M
    YTD charge-offs (at close)
    $42K
    Last filing
    Jun 30, 2025
  • Industry State BankIndustry, TX · Jul 1, 2025 · Merger
    Inherited NPL volume
    $563K
    Inherited NPL %
    0.31%
    Total loans inherited
    $180M
    Total assets inherited
    $641M
    YTD charge-offs (at close)
    $123K
    Last filing
    Jun 30, 2025
  • The First National Bank of ShinerShiner, TX · Jul 1, 2025 · Merger
    Inherited NPL volume
    $3M
    Inherited NPL %
    1.47%
    Total loans inherited
    $170M
    Total assets inherited
    $753M
    YTD charge-offs (at close)
    $280K
    Last filing
    Jun 30, 2025
  • Bank of Brenham, National AssociationBrenham, TX · Jul 1, 2025 · Merger
    Inherited NPL volume
    $974K
    Inherited NPL %
    0.83%
    Total loans inherited
    $118M
    Total assets inherited
    $577M
    YTD charge-offs (at close)
    $262K
    Last filing
    Jun 30, 2025
  • The First National Bank of BellvilleBellville, TX · Jul 1, 2025 · Merger
    Inherited NPL volume
    $215K
    Inherited NPL %
    0.09%
    Total loans inherited
    $227M
    Total assets inherited
    $669M
    YTD charge-offs (at close)
    $175K
    Last filing
    Jun 30, 2025
  • Fayetteville BankFayetteville, TX · Jul 1, 2025 · Merger
    Inherited NPL volume
    $0
    Inherited NPL %
    0.00%
    Total loans inherited
    $103M
    Total assets inherited
    $537M
    YTD charge-offs (at close)
    $20K
    Last filing
    Jun 30, 2025
  • First Chatham BankSavannah, GA · May 1, 2025 · Merger
    Inherited NPL volume
    $3M
    Inherited NPL %
    0.87%
    Total loans inherited
    $370M
    Total assets inherited
    $604M
    YTD charge-offs (at close)
    $-116K
    Last filing
    Mar 31, 2025