Mechanics Bank (MS)

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

Mechanics Bank (MS) is headquartered in Water Valley and is the 42nd largest bank in the state of Mississippi. It is also the 2,585th largest bank in the nation. It was established in 1892 and as of December of 2021, it had grown to 67 employees at 6 locations. Mechanics Bank (MS) has an A health rating.


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Health Grade Components

FDIC Certificate #12206
Year Established1892
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD14.33%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$284.8MM$258.4MM
LoansQ4 2021vs Q4 2020$188.8MM$168.4MM
DepositsQ4 2021vs Q4 2020$252.5MM$228.1MM
Equity CapitalQ4 2021vs Q4 2020$29.1MM$26.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$2.4MM$2.2MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$2.2MM$3.7MM
Real Estate OwnedQ4 2021vs Q4 2020$0$294.00K

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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 N Main StWater Valley, MS 38965
South Main Street Branch321 South Main StreetWater Valley, MS 38965
Drive-In Facility321 Duncan StreetWater Valley, MS 38965

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