COPIAH BANK

HAZLEHURST, MS | Small | Est. Oct. 26, 1891, midnight | FDIC #8231 | RSSD #398837 | FED
Latest Report: 2025-12-31

COPIAH BANK is asn small FDIC-insured commercial bank headquartered in HAZLEHURST, MS, established in Oct. 26, 1891, midnight. As of 2025-12-31, the bank reported total assets of $329M and total deposits of $281M. Profitability stands at 0.86% ROA and 7.52% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 11.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.36%. FDIC Certificate #8231.

Assets

$329M

Deposits

$281M

Loans

$178M

Equity

$38M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 7.52%
Net Interest Margin (NIM) 3.98%
Yield on Assets 5.54%
Cost of Funds 1.63%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.36%
NPA Ratio 0.04%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 11.42%
Tier 1 Capital 11.42%
Total Capital Ratio 11.99%
Leverage Ratio 11.48%
Loan-to-Deposit 63.23%

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