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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 2,719th largest bank in the nation. It was established in 1892 and as of March of 2017, it had grown to 72 employees at 6 locations. Mechanics Bank (MS) has a B+ health rating.


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Health Grade Components

FDIC Certificate #12206
Year Established1892
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.56%
Return on Equity - YTD15.44%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$228.5MM$220.2MM
LoansQ1 2017vs Q1 2016$143.6MM$134.9MM
DepositsQ1 2017vs Q1 2016$200.8MM$196.0MM
Equity CapitalQ1 2017vs Q1 2016$23.6MM$22.7MM
Loan Loss AllowanceQ1 2017vs Q1 2016$2.5MM$3.1MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$4.5MM$9.4MM
Real Estate OwnedQ1 2017vs Q1 2016$953.00K$393.00K

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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