Total Assets
$5.0B
Total balance-sheet footings
FDIC Cert #8879 · Flowood, Mississippi · Est. 1905
Community Bank of Mississippi - FDIC Bank Health Profile
A community-scale look at Community Bank of Mississippi's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.0B
- Total assets
- B
- Health grade · Good
- 0.89%
- Return on assets
- 13.3%
- Tier 1 capital
Data updated July 2026
The verdict
Community Bank of Mississippi earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.28% Tier 1, 0.89% ROA, 69% efficiency ratio.
- #290
- largest of 4,313 FDIC banks by assets
- 93rd
- percentile by asset size, nationally
- 13.28%
- Tier 1 ratio - above the 10% well-capitalized line
- 35th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Community Bank of Mississippi's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Bank of Mississippi's composite health score
Tier 1 Capital Ratio (13.28%) 35/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (1.51%) 20/20
Efficiency Ratio (68.78%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4.6B
Customer-funded liabilities
Net Loans
$3.3B
Outstanding loan book
Net Income
$43M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Bank of Mississippi ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank of Mississippi's score of 77/100 falls in the highlighted band.
Community Bank of Mississippi's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Bank of Mississippi's $5.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.28%
Texas Ratio
1.51%
Equity Capital
$414M
Profitability metrics
Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
11.09%
Efficiency Ratio
68.78%
What the numbers say about Community Bank of Mississippi
Community Bank of Mississippi is an FDIC-insured institution (Certificate #8879) headquartered in Flowood, Mississippi, established in 1905. It holds $5.0B in total assets - 290th of 4,313 FDIC-insured banks, $4.6B in customer deposits, and $3.3B in net loans. Capital-wise, the Tier 1 ratio sits at 13.28%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.51%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Community Bank of Mississippi sits in the top decile of all FDIC-insured institutions by asset size (290th of 4,313), and within Mississippi it ranks 5th of 57 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is BankFirst Financial Services, at $3.3B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$249M
Interest Income
$34M
Non-Interest Income
$139M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank of Mississippi reports a Texas Ratio of 1.51% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank of Mississippi (FDIC Cert #8879) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
| The Citizens National Bank of MeridianMeridian | $1.8B | A | 1.60% |
Frequently asked questions
What is Community Bank of Mississippi's health grade?▼
Community Bank of Mississippi receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community Bank of Mississippi?▼
Community Bank of Mississippi holds $5.0B in total assets and $4.6B in deposits, ranking 290th of 4,313 FDIC-insured banks by asset size. It is headquartered in Flowood, Mississippi.
Is my money safe at Community Bank of Mississippi?▼
Yes, deposits at Community Bank of Mississippi (Certificate #8879) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Bank of Mississippi's Tier 1 Capital Ratio?▼
Community Bank of Mississippi has a Tier 1 Capital Ratio of 13.28%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Community Bank of Mississippi?▼
Community Bank of Mississippi has a Texas Ratio of 1.51%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Bank of Mississippi?▼
Community Bank of Mississippi has an Efficiency Ratio of 68.78%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Bank of Mississippi's profile as a depositor or analyst.
- Community Bank of Mississippi's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bank of Mississippi against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.