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Overview / Commentary
319 North Main Street
Water Valley, MS 38965

Mechanics Bank (MS) is headquartered in Water Valley and is the 45th largest bank in the state of Mississippi. It is also the 2,791st largest bank in the nation. It was established in 1892 and as of March of 2016, it had grown to 66 employees at 6 locations. Mechanics Bank (MS) has a C+ health rating.


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Health Grade Components

FDIC Certificate #12206
Year Established1892
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD5.51%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$220.2MM$219.0MM
LoansQ1 2016vs Q1 2015$134.9MM$125.5MM
DepositsQ1 2016vs Q1 2015$196.0MM$195.2MM
Equity CapitalQ1 2016vs Q1 2015$22.7MM$22.2MM
Loan Loss AllowanceQ1 2016vs Q1 2015$3.1MM$2.9MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$9.4MM$6.5MM
Real Estate OwnedQ1 2016vs Q1 2015$393.00K$293.00K

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Mechanics Bank (MS) Locations
University Avenue Branch1508 University AvenueOxford, MS 38655
Eastgate Branch1936 University AvenueOxford, MS 38655
West Jackson Branch2601 Jackson Avenue WestOxford, MS 38655
Mechanics Bank319 North Main StreetWater Valley, MS 38965
South Main Street Branch321 South Main StreetWater Valley, MS 38965
Drive-In Facility321 Duncan StreetWater Valley, MS 38965