Which Mississippi banks have the most non-performing consumer loans?

1. BANK OF HOLLY SPRINGS, THE (MS) — 25.93% NPL; 2. PEOPLES BANK (MS) — 5.38% NPL; 3. PEOPLES BANK (MS) — 5.38% NPL; 4. BANK OF HOLLY SPRINGS, THE (MS) — 3.72% NPL; 5. BANK OF ANGUILLA (MS) — 3.19% NPL

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Mississippi Consumer Loans

Q3 2025MS Banks

Analyzing consumer loans loan performance across 131 Mississippi banks

As of Q3 2025, 131 Mississippi banks report consumer loans portfolios totaling $1.2B. Non-performing loans in this category total $11.3M — an average NPL ratio of 0.95% — with $24.8M 30-89 days delinquent, $3.7M 90+ days delinquent, and $7.6M in nonaccrual status. The most distressed lender in this category is BANK OF HOLLY SPRINGS, THE (MS) with an NPL ratio of 25.93%.

Total Lenders

131

Total Loan Portfolio

$1.2B

Total NPL

$11.3M

Average NPL %

0.95%

30-89 Days

$24.8M

90+ Days

$3.7M

Nonaccrual

$7.6M

Charge-offs

$19.1M

Distribution of banks by non-performing loan ratio

Bank Name	State	Portfolio	NPL	NPL %
BANK OF HOLLY SPRINGS, THE	MS	$725K	$188K	25.93%
PEOPLES BANK	MS	$4.2M	$226K	5.38%
PEOPLES BANK	MS	$4.2M	$226K	5.38%
BANK OF HOLLY SPRINGS, THE	MS	$23.8M	$885K	3.72%
BANK OF ANGUILLA	MS	$1.8M	$56K	3.19%
BANK OF ANGUILLA	MS	$1.8M	$56K	3.19%
BANK OF HOLLY SPRINGS, THE	MS	$23.1M	$697K	3.02%
CITIZENS NATIONAL BANK OF MERIDIAN, THE	MS	$3.5M	$93K	2.62%

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Mississippi Consumer Loans

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Consumer Loans in Mississippi

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