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Trustmark Bank
Jackson, MS·FDIC Cert #4988·Charter: STATE·Est. 18891219.0·HC: TRUSTMARK CORP
Total Assets
$18.9B
Q4 2025
Return on Assets
1.26%
+0.02%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.79%
Peer avg: 54.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.26%+0.02
ROE
10.90%+0.10
Efficiency
62.79%+0.12
Equity/Assets
0.00%+0.00
NPL Ratio
1.37%+0.14
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.20%+1.74
Charge-offs
0.13%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.3 | 1.2 | 1.3 | 1.2 | 1.2 | 1.2 | 1.3 |
| ROE | 9.8 | 12.9 | 12.1 | 11.9 | 10.7 | 10.8 | 10.8 | 10.9 |
| Efficiency | 68.4 | 65.8 | 64.7 | 64.1 | 62.7 | 62.3 | 62.7 | 62.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 0.8 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.4 |
| Charge-offs | 0.1 | 0.2 | 0.2 | 0.2 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 84.9 | 84.9 | 85.9 | 86.4 | 87.4 | 88.8 | 86.5 | 88.2 |
Balance Sheet
Total Assets$18.9B
Total Deposits$15.6B
Total Loans$13.8B
Total Equity$2.2B
Profitability
ROA1.26%
ROE10.90%
Efficiency Ratio62.79%
Net Income$234.0M
Risk & Asset Quality
NPL Ratio1.37%
Charge-off Rate0.13%
Loan/Deposit88.20%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans