Community Bank of Mississippi: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 3.7% to -$11.7M. Community Bank of Mississippi ranks 14th of 20 Mississippi banks on CET1 ratio, in the lower half at 13.15% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Community Bank of Mississippi reported 13.15% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 14.40% |
| Tier 1 leverage ratio | 8.32% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $424.4M |
| Tier 1 capital | $424.4M |
| Total risk-based capital | $464.8M |
| Total equity capital | $430.2M |
| Risk-weighted assets | $3.23B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.45% |
| Tangible equity to tangible assets | 8.14% |
| Equity capital to average assets | 8.41% |
| Internal capital growth rate | 8.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $375K |
| Common stock surplus | $144.0M |
| Retained earnings | $297.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.91% | 14.91% | 16.05% | 8.30% | $2.63B |
| Q4 2023 | 14.87% | 14.87% | 16.00% | 8.21% | $2.64B |
| Q1 2024 | 14.56% | 14.56% | 15.70% | 7.95% | $2.70B |
| Q2 2024 | 14.31% | 14.31% | 15.43% | 8.06% | $2.75B |
| Q3 2024 | 13.81% | 13.81% | 14.92% | 7.92% | $2.81B |
| Q4 2024 | 13.81% | 13.81% | 14.91% | 8.08% | $2.82B |
| Q1 2025 | 13.57% | 13.57% | 14.70% | 8.24% | $2.89B |
| Q2 2025 | 13.28% | 13.28% | 14.42% | 8.25% | $2.99B |
| Q3 2025 | 13.26% | 13.26% | 14.43% | 8.25% | $3.04B |
| Q4 2025 | 13.28% | 13.28% | 14.47% | 8.18% | $3.08B |
| Q1 2026 | 13.25% | 13.25% | 14.50% | 8.21% | $3.14B |
| Q2 2026 | 13.15% | 13.15% | 14.40% | 8.32% | $3.23B |
Community Bank of Mississippi regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Mississippi, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank of Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8879) · FFIEC NIC profile (RSSD 460033)