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Overview / Commentary
800-243-2524
248 East Capitol Street
Jackson, MS 39201

Trustmark National Bank is headquartered in Jackson and is the 3rd largest bank in the state of Mississippi. It is also the 98th largest bank in the nation. It was established in 1889 and as of March of 2014, it had grown to 3,114 employees at 231 locations. Trustmark National Bank has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Trustmark National Bank had $226.64 million in non-current loans and owned real-estate with $1.49 billion in equity and loan loss allowances on hand to cover it. This gives Trustmark National Bank a Texas Ratio of 15.18% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Trustmark National Bank decreased slightly from 17.54% as of March 31, 2013 to 15.18% as of March 31, 2014, resulting in a positive change of 13.46%.This indicates that the balance sheet and financial strength for Trustmark National Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Trustmark National Bank has increased its total deposits by $360.96 million, resulting in 3.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Trustmark National Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Trustmark National Bank has $12.05 billion in assets with $1.49 billion in equity, resulting in a capitalization level of 12.38%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #4988
Year Established1889
Employees3114
Primary RegulatorOCC
Assets and Liabilities
Assets$12.05 billion
Loans$6.71 billion
Deposits$10.14 billion
Equity Capital$1.41 billion
Loan Loss Allowance$78.06 million
Unbacked Noncurrent Loans$115.11 million
Real Estate Owned$111.54 million
Historic Data - March 2013
Assets$11.74 billion
Equity Capital$1.38 billion
Loan Loss Allowance$82.24 million
Unbacked Noncurrent Loans$115.11 million
Real Estate Owned$117.18 million
Profit Margin - Quarterly
Net Interest Margin3.69%
Return on Assets0.99%
Return on Equity8.42%
Interest Income$100.81 million
Rates

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Locations

Trustmark National Bank has 224 locations. Click to view all Trustmark National Bank locations.