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BankPlus
Belzoni, MS·FDIC Cert #5903·Charter: STATE·Est. 19090101.0·HC: BANCPLUS CORP
Total Assets
$8.1B
Q4 2025
Return on Assets
1.14%
-0.00%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.80%
Peer avg: 56.9%
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
1.14%-0.00
ROE
10.30%-0.11
Efficiency
63.80%+0.96
Equity/Assets
0.00%+0.00
NPL Ratio
0.45%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.89%-0.83
Charge-offs
0.09%+0.04
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 | 1.0 | 0.9 | 0.9 | 0.9 | 1.3 | 1.2 | 1.1 | 1.1 |
| ROE | 9.7 | 9.2 | 9.3 | 9.1 | 12.0 | 11.3 | 10.4 | 10.3 |
| Efficiency | 68.0 | 68.3 | 68.5 | 68.9 | 61.8 | 63.4 | 62.8 | 63.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.5 | 0.4 |
| Charge-offs | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 90.3 | 91.8 | 89.4 | 88.9 | 87.3 | 89.6 | 89.7 | 88.9 |
Balance Sheet
Total Assets$8.1B
Total Deposits$7.0B
Total Loans$6.2B
Total Equity$921.8M
Profitability
ROA1.14%
ROE10.30%
Efficiency Ratio63.80%
Net Income$90.4M
Risk & Asset Quality
NPL Ratio0.45%
Charge-off Rate0.09%
Loan/Deposit88.89%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans