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Community Bank Of Mississippi
Flowood, MS · FDIC Certificate #8879 · Chartered 08/1
Total assets
$5.09B
Total deposits
$4.62B
Total equity
$430.20M
Net loans
$3.46B
Branches (offices)
56
Net income (YTD)
$28.11M
Rank: #287 of 4,213 U.S. banks by assets · #5 of 57 in Mississippi. Assets changed 6.5% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 13.33% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 8.45% |
| Tier 1 leverage ratio | 8.32% |
| Uninsured deposits (share of deposits) | 35.7% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 75.0% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.12B | 90.2% | |
| Commercial & industrial | $299.77M | 8.7% | |
| Consumer / individual | $71.82M | 2.1% | |
| Construction & development | $391.83M | 11.3% | |
| Agricultural | $9.39M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.65B | $4.30B | $22.36M | $304.39M |
| Jun 2023 | $4.63B | $4.28B | $9.84M | $309.60M |
| Jun 2024 | $4.81B | $4.22B | $10.44M | $348.62M |
| Jun 2025 | $4.78B | $4.35B | $18.61M | $389.23M |
| Jun 2026 | $5.09B | $4.62B | $28.11M | $430.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $3.69B | 42 |
| Florida | $466.04M | 6 |
| Alabama | $440.11M | 7 |
| Tennessee | $23.81M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.62B.
Similar-sized banks
First National Bank Alaska ($5.12B) · Community West Bank ($5.02B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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