BNA Bank


205 Bankhead Street
New Albany, MS 38652
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.65% →
1-Year CD 0.35% 0.70% →
2-Year CD 0.55% 0.75% →
5-Year CD 0.55% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

BNA Bank is an FDIC insured institution located in New Albany, MS. It was founded in 1896 and has approximately $0.65 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 19448
Date Established 1896
Assets $ 650.77 million
Loans $ 340.57 million
Deposits $ 573.75 million
Capital $ 71.66 million

For a more detailed analysis of BNA Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 30, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.20% $2,500 $4,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
30 Mo CD
0.55% $10,000 $14,999 Learn More
30 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
48 Mo CD
0.55% $10,000 $14,999 Learn More
48 Mo CD
0.55% $100,000 $199,999 Learn More
60 Mo CD
0.55% $10,000 $14,999 Learn More
60 Mo CD
0.55% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 30, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for BNA Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.825% 2.750%
1.00 points
$2,425 fees
$1,021 Learn More
First Internet Bank
NMLS ID: 424182
2.548% 2.500%
0.63 points
$1,578 fees
$988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.349% 3.250%
0.75 points
$3,125 fees
$1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info

Note to BNA Bank
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BNA Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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BNA Bank Locations

Financial Details

BNA Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BNA Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
BNA Bank U.S. Bank Average
3.7% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, BNA Bank had $2,885,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $71,663,000 in equity and $6,389,000 in loans loss reserves. That gives it a Texas Ratio of 3.7%.

Return on Equity
BNA Bank U.S. Bank Average
15.21% 11.43%

BNA Bank has a Return on Equity of 15.21% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

BNA Bank U.S. Bank Average
11.01% 11.51%

BNA Bank has a Capitalization of 11.01% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

BNA Bank Balance Sheet Analysis

As of March 31, 2021, BNA Bank had assets of $650,768,000, loans of $340,571,000, and deposits of $573,751,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 25.26 million
Interest-bearing balances $ 2.20 million
Total securities $ 221.74 million
Federal funds sold and reverse repurchase $ 27.40 million
Net loans and leases $ 340.57 million
Loan loss allowance $ 6.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.29 million
All other assets $ 26.37 million
     Total Assets $ 579.11 million
Total deposits $ 573.75 million
      Interest-bearing deposits $ 461.50 million
      Deposits held in domestic offices $ 573.75 million
      % insured (estimated) 70.07%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.01 million
Subordinated debt N.A.
All other liabilities $ 5.35 million
      Total Liabilities $ 579.11 million
      Shareholders’ Equity $ 71.66 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 4.97 million
Total Interest Expense $ 0.71 million
Net interest income $ 4.26 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 1.93 million
Total non interest expense $ 2.68 million
Pre-tax Net Operating Income $ 3.36 million

Bank Loan Profile?

The top three loan types in BNA Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Mississippi, BNA Bank has a significantly higher percent of Credit Card Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 41.95
Credit Card Loans 0.45
Consumer Auto Loans 3.30
Small Business Loans 18.35
Construction and Development Loans 8.08
Commercial Real Estate 29.32
Commercial and Industrial Loans 11.54
Farm Loans 0.40

Frequently Asked Questions About Bna Bank

Branches and Savings

Is Bna Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19448.

Why does Bna Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bna Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bna Bank a commercial bank?


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Does Bna Bank offer mortgages?

Compare mortgage rates here.

Does Bna Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

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Compare personal loan rates here.

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Background on The Bank

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