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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Amory, MS · FDIC certificate #28949
AMORY FIRST S&L BANK SSB is an FDIC-insured institution based in Amory, MS (FDIC certificate #28949). In its Q3 2026 Call Report it reported total assets of $80M, total deposits of $68M and net loans of $65M. Its primary federal regulator is FED.
Plain-language readout
AMORY FIRST S&L BANK SSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $80M in Q3 2026 and were lowest at $77M in Q1 2026.
Total deposits were highest at $68M in Q2 2026 and lowest at $67M in Q1 2026.
Over the whole period total assets rose 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $80M | $68M | $65M | 0.85% | 6.59% | 2.81% |
| Q2 2026 | $79M | $68M | $62M | 0.62% | 4.78% | 2.71% |
| Q1 2026 | $77M | $67M | $62M | 0.16% | 1.22% | 2.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.4M | $5.5M | +$1.9M | +34.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $7.7M | $8.4M | -$729K | -8.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $61.6M | $61.5M | +$124K | +0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.0M | $463K | +$574K | +124.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $892K | $1.1M | -$207K | -18.8% |
| Total assets | $78.7M | $77.0M | +$1.7M | +2.2% |
| Liabilities | ||||
| Total deposits | $68.1M | $66.8M | +$1.3M | +1.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $463K | $438K | +$25K | +5.7% |
| Total liabilities | $68.6M | $67.2M | +$1.3M | +2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $10.3M | $10.0M | +$208K | +2.1% |
| Accumulated other comprehensive income | -$77K | -$240K | +$163K | +67.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.2M | $9.8M | +$371K | +3.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $851K | $624K | +$227K | +36.4% |
| Adjusted nonperforming assets | $851K | $624K | +$227K | +36.4% |
| Tangible equity plus allowance | $10.8M | $10.4M | +$406K | +3.9% |
| Texas ratio (gross) | 7.88% | 6.01% | +1.88 pts | See points |
| Texas ratio (adjusted) | 7.88% | 6.01% | +1.88 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 7.88% | 6.01% | +1.88 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.11% | 12.97% | +0.15 pts | See points |
| Construction and land loans to total capital | 34.82% | 36.32% | -1.50 pts | See points |
| Commercial real estate to total capital | 34.82% | 36.32% | -1.50 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.07% | -1.36% | +0.29 pts | See points |
| Liquidity | ||||
| Core deposits | $56.1M | $55.9M | +$183K | +0.3% |
| Non-core funding | $12.0M | $10.9M | +$1.1M | +10.1% |
| Loans to core deposits | 111.09% | 111.17% | -0.08 pts | See points |
| Loans to deposits | 91.45% | 92.97% | -1.53 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $12.0M | $10.9M | +$1.1M | +10.1% |
| Earnings | ||||
| Earnings before provision, year to date | $273K | $30K | +$243K | +810.0% |
| Earnings before provision, single quarter | $243K | $30K | +$213K | +710.0% |
| Provision for credit losses, year to date | $35K | $0K | +$35K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.07% | 6.07% | +0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 4.28% | 1.26% | +3.02 pts | See points |
| Total interest income to average assets | 5.28% | 5.14% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | Not reported | Not reported | Not reported | See points |
| Cost of savings and money market deposits | 0.30% | 0.32% | -0.03 pts | See points |
| Cost of time deposits | 3.32% | 3.40% | -0.08 pts | See points |
| Total interest expense to average assets | 2.59% | 2.66% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $80M | $68M | $65M | 0.85% | 6.59% | 2.81% |
| 2026-06-30 | $79M | $68M | $62M | 0.62% | 4.78% | 2.71% |
| 2026-03-31 | $77M | $67M | $62M | 0.16% | 1.22% | 2.57% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MS | $61.4M | 0.08% | 72 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.