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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Brookhaven, MS · FDIC certificate #35439
BANK OF BROOKHAVEN is an FDIC-insured institution based in Brookhaven, MS (FDIC certificate #35439). In its Q3 2026 Call Report it reported total assets of $277M, total deposits of $245M and net loans of $145M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF BROOKHAVEN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $277M in Q3 2026 and were lowest at $262M in Q2 2026.
Total deposits were highest at $245M in Q3 2026 and lowest at $230M in Q2 2026.
Over the whole period total assets rose 4.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $277M | $245M | $145M | 1.28% | 12.06% | 3.83% |
| Q2 2026 | $262M | $230M | $147M | 1.28% | 11.82% | 3.81% |
| Q1 2026 | $266M | $235M | $145M | 1.32% | 12.26% | 3.80% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.5M | $32.1M | -$9.5M | -29.7% |
| 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) | $81.1M | $77.3M | +$3.8M | +4.9% |
| 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) | $146.7M | $145.1M | +$1.5M | +1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.2M | $2.2M | -$9K | -0.4% |
| 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 | $9.8M | $9.8M | -$36K | -0.4% |
| Total assets | $262.2M | $266.5M | -$4.3M | -1.6% |
| Liabilities | ||||
| Total deposits | $229.5M | $235.1M | -$5.6M | -2.4% |
| 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 | $4.0M | $3.8M | +$234K | +6.1% |
| Total liabilities | $233.6M | $238.9M | -$5.4M | -2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.1M | $2.1M | +$1K | +0.0% |
| Surplus | $6.7M | $6.7M | $0K | 0.0% |
| Retained earnings | $21.7M | $20.9M | +$806K | +3.9% |
| Accumulated other comprehensive income | -$1.8M | -$2.1M | +$276K | +13.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $28.7M | $27.6M | +$1.1M | +3.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $33K | $29K | +$4K | +13.8% |
| Adjusted nonperforming assets | $33K | $29K | +$4K | +13.8% |
| Tangible equity plus allowance | $30.0M | $28.9M | +$1.1M | +3.7% |
| Texas ratio (gross) | 0.11% | 0.10% | +0.01 pts | See points |
| Texas ratio (adjusted) | 0.11% | 0.10% | +0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.11% | 0.10% | +0.01 pts | See points |
| Tier 1 capital to risk-weighted assets | 18.04% | 17.08% | +0.96 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 18.04% | 17.08% | +0.96 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.79% | 0.76% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.83% | 17.84% | +0.98 pts | See points |
| Tier 1 leverage (approximate) | 11.64% | 11.64% | +0.01 pts | See points |
| Construction and land loans to total capital | 4.97% | 4.40% | +0.57 pts | See points |
| Commercial real estate to total capital | 106.40% | 107.68% | -1.28 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 | -11.20% | -13.58% | +2.39 pts | See points |
| Liquidity | ||||
| Core deposits | $219.7M | $225.3M | -$5.5M | -2.5% |
| Non-core funding | $9.8M | $9.8M | -$47K | -0.5% |
| Loans to core deposits | 67.35% | 65.01% | +2.34 pts | See points |
| Loans to deposits | 64.48% | 62.29% | +2.19 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.04% | -0.04 pts | See points |
| Pledged securities share of securities | 37.56% | 38.89% | -1.33 pts | See points |
| Loans pledged, share of loans | 45.72% | 44.14% | +1.58 pts | See points |
| Volatile liabilities | $9.8M | $9.8M | -$47K | -0.5% |
| Earnings | ||||
| Earnings before provision, year to date | $2.1M | $1.0M | +$1.0M | +97.5% |
| Earnings before provision, single quarter | $1.0M | $1.0M | -$26K | -2.5% |
| Provision for credit losses, year to date | $46K | $46K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.84% | 6.80% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.40% | 3.34% | +0.06 pts | See points |
| Total interest income to average assets | 5.25% | 5.25% | -0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 2.60% | 2.60% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.77% | 0.83% | -0.06 pts | See points |
| Cost of time deposits | 3.06% | 3.00% | +0.06 pts | See points |
| Total interest expense to average assets | 1.67% | 1.71% | -0.04 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 | $277M | $245M | $145M | 1.28% | 12.06% | 3.83% |
| 2026-06-30 | $262M | $230M | $147M | 1.28% | 11.82% | 3.81% |
| 2026-03-31 | $266M | $235M | $145M | 1.32% | 12.26% | 3.80% |
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 | $216.7M | 0.27% | 54 | Continuing · +0.01 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.