Community Bank of Mississippi
Community Bank of Mississippi reported total assets of $5.1 bn at Q2 2026, up 6.5% on a year earlier, the 285th largest of 497 banks in our US coverage. The CET1 capital ratio at Community Bank of Mississippi was 13.15%, and the uninsured share of Community Bank of Mississippi was 35.68%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Community Bank of Mississippi climbed from 301st to 193rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Community Bank of Mississippi reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.32% at , where the median of the 339 banks is 10.45% (FDIC Call Reports).
- Since , Community Bank of Mississippi has taken over 3 institutions; the latest was Community Bank, Coast on (FDIC Call Reports).
What sets Community Bank of Mississippi apart
How large is Community Bank of Mississippi?
The balance sheet of Community Bank of Mississippi at : assets $5.1 bn, deposits $4.6 bn, net loans $3.5 bn (loans equal to 74.98% of deposits). Securities make up 18.6% of total assets at Community Bank of Mississippi. Since , when Community Bank of Mississippi held $755.9 mn, its assets grew 573.3%. In the year to , deposits at Community Bank of Mississippi rose 6.2% while its total assets rose 6.5%. At , Community Bank of Mississippi employed 870 full-time equivalent staff across 57 offices, about $5.8 mn of assets per employee and $81.1 mn of deposits per office.
How much funding at Community Bank of Mississippi is uninsured?
At Community Bank of Mississippi, uninsured deposits (above the FDIC limit) made up 35.68% of domestic deposits at (+1.53 pp on a year earlier); Community Bank of Mississippi ranks 246th of 500 on this measure. In dollars, Community Bank of Mississippi estimated $1.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.6 bn | +6.2% | 265th of 499 |
| Net loans and leases | $3.5 bn | +8.7% | 288th of 500 |
| Loan-to-deposit ratio | 74.98% | +1.74 pp | 385th of 500 |
| Tier 1 leverage ratio | 8.32% | +0.07 pp | 466th of 500 |
| Total risk-based capital ratio | 14.40% | -0.02 pp | 221st of 448 |
| Net interest margin | 4.05% | +0.48 pp | 127th of 500 |
| Return on assets (ROA) | 1.11% | +0.32 pp | 341st of 500 |
| Efficiency ratio | 65.07% | -6.17 pp | 395th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $15.6 mn | Narrowed by $17.2 mn | |
| Noncurrent loans to total loans | 0.25% | -0.09 pp | 83rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.06 pp | 114th of 500 (1 = lowest) |
US rank of Community Bank of Mississippi: 1 = highest unless marked 1 = lowest.
Balance sheet
Community Bank of Mississippi: assets, deposits and loans
- Total assets $5.1bn
- Deposits $4.6bn
- Net loans $3.5bn
Capital and securities
The CET1 ratio of Community Bank of Mississippi stood at 13.15% in , -0.13 pp year on year. Low and high at Community Bank of Mississippi since : 12.53% () to 15.28% (). Equity capital of Community Bank of Mississippi at : $430.2 mn, or 8.5% of total assets. Community Bank of Mississippi also reported a total capital ratio of 14.40% for , and a tier 1 leverage ratio of 8.32%.
The available-for-sale portfolio of Community Bank of Mississippi showed an unrealized loss of $15.6 mn at ; the loss narrowed by $17.2 mn over the year.
Community Bank of Mississippi: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 8.3%
Community Bank of Mississippi: unrealized securities gains and losses
- Available for sale -$16mn
- Held to maturity $0
Profitability and loan quality
For the year to , Community Bank of Mississippi earned a return on equity of 13.33%; return on assets: 1.11%. Net interest margin at Community Bank of Mississippi: 4.05%, +0.48 pp in a year. Community Bank of Mississippi net income: $28.1 mn, up 51.0% year on year. The efficiency ratio of Community Bank of Mississippi was 65.07%: about 65 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.25% of total loans at Community Bank of Mississippi; net charge-offs: 0.01% of average loans. Gross loans and leases at Community Bank of Mississippi: $3.5 bn, up 8.9% in a year.
Community Bank of Mississippi: profitability
- Return on equity 13%
- Net interest margin 4.1%
- Return on assets 1.1%
Peer group of Community Bank of Mississippi
The peer group of Community Bank of Mississippi is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Community Bank of Mississippi (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Mississippi. Against them, Community Bank of Mississippi shows CET1 ratio 13.15% against a peer median of 11.27%, return on equity 13.33% against a peer median of 14.79% and uninsured deposit share 35.68% against a peer median of 42.10%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Barrington Bank & Trust Company | National bank | IL | $5.2 bn | 10.91% | 12.04% | 23.07% | |
| Vantage Bank Texas | State member bank | TX | $5.1 bn | 10.13% | 18.91% | 48.74% | |
| First National Bank Alaska | National bank | AK | $5.1 bn | 18.52% | 14.56% | 38.98% | |
| Community Bank of Mississippi | State nonmember bank | MS | $5.1 bn | 13.15% | 13.33% | 35.68% | |
| Bank of Stockton | State nonmember bank | CA | $5.0 bn | 18.81% | 32.23% | 45.23% | |
| John Deere Financial, f.s.b. | Federal savings bank | WI | $4.9 bn | not reported | 15.03% | 100.00% | |
| Dacotah Bank | State member bank | SD | $4.9 bn | 11.27% | 11.27% | 33.47% | |
. FDIC Call Reports.
Last eight quarters
Two years at Community Bank of Mississippi, to : assets +4.2%, deposits +8.3%, equity +18.0%. Staff 850 to 870; offices 56 to 57.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.9 bn | $4.7 bn | $4.8 bn | $4.8 bn | $5.0 bn | $5.0 bn | $5.1 bn | $5.1 bn |
| Total deposits | $4.3 bn | $4.3 bn | $4.4 bn | $4.4 bn | $4.5 bn | $4.6 bn | $4.7 bn | $4.6 bn |
| Bank equity capital | $364.5 mn | $365.1 mn | $378.1 mn | $389.2 mn | $401.5 mn | $414.0 mn | $421.0 mn | $430.2 mn |
| CET1 ratio | 13.81% | 13.81% | 13.57% | 13.28% | 13.26% | 13.28% | 13.25% | 13.15% |
| Return on equity (ROE) | 6.92% | 7.47% | 8.94% | 9.86% | 10.52% | 11.09% | 12.41% | 13.33% |
| Uninsured share of domestic deposits | 32.63% | 32.86% | 34.41% | 34.16% | 35.62% | 36.06% | 36.61% | 35.68% |
| Full-time equivalent employees | 850 | 830 | 838 | 854 | 823 | 824 | 842 | 870 |
| Number of offices | 56 | 56 | 56 | 56 | 56 | 57 | 57 | 57 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Community Bank of Mississippi, oldest first; figures before and after each event are not like for like.
- . Absorbed Community Bank, North Mississippi (FDIC certificate 11438).
- . Absorbed Community Bank (FDIC certificate 11444).
- . Absorbed Community Bank, Coast (FDIC certificate 34121).
Large one-quarter moves at Community Bank of Mississippi
- Total assets at Community Bank of Mississippi changed by +245.4% in the quarter to 2018-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Community Bank, Community Bank, Coast, Community Bank, North Mississippi.
Questions and identifiers
What were the total assets of Community Bank of Mississippi?
Community Bank of Mississippi reported $5.1 bn at in its Call Report. That makes Community Bank of Mississippi the 285th largest of 497 banks in our US coverage.
Is Community Bank of Mississippi the same as its holding company?
No. This page covers Community Bank of Mississippi, FDIC certificate 8879; COMMUNITY BANCSHARES MS EMPLOYEE STK OWNERSHIP PLAN (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Community Bank of Mississippi profitable?
Community Bank of Mississippi reported net income of $28.1 mn for the year to ; annualized return on equity: 13.33%. So yes: Community Bank of Mississippi made a profit over these months.
When is data for Community Bank of Mississippi next updated?
Figures from Community Bank of Mississippi for are due after .
Where can I check the figures for Community Bank of Mississippi?
In the FDIC BankFind Suite record for certificate 8879, and in the Call Reports of Community Bank of Mississippi (RSSD ID 460033) at the FFIEC Central Data Repository.