Community Bank of Mississippi: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Mississippi of Flowood, MS against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.46% | -0.28% | 43rd below |
| ROAE | 14.25% | 12.71% | +1.54% | 65th above |
| Net Interest Margin | 4.12% | 3.85% | +0.27% | 76th top |
| Efficiency Ratio | 63.79% | 57.39% | +6.40% | 34th below |
| PPNR / Avg Assets | 1.65% | 1.88% | -0.23% | 45th below |
| Yield on Earning Assets | 5.78% | 5.72% | +0.06% | 65th above |
| Cost of Funds | 1.72% | 2.02% | -0.30% | 68th above |
| Net Interest Spread | 3.94% | 3.18% | +0.76% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 1.00% | -0.85% | 85th top |
| NPA / Total Assets | 0.20% | 0.76% | -0.56% | 77th top |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 54th above |
| ACL / Total Loans | 1.14% | 1.31% | -0.17% | 48th below |
| ACL / NPLs (Coverage) | 785.19% | 542.86% | +242.33% | 88th top |
| Texas Ratio | 3.08% | 7.40% | -4.32% | 65th above |
| Provision / NCO | 1408.68% | 616.76% | +791.92% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.15% | 17.35% | -4.20% | 44th below |
| Tier 1 Ratio | 13.15% | 17.38% | -4.23% | 43rd below |
| Total Capital Ratio | 14.40% | 18.43% | -4.03% | 45th below |
| Leverage Ratio | 8.32% | 11.44% | -3.12% | 4th bottom |
| Equity / Assets | 8.45% | 11.34% | -2.89% | 12th bottom |
| TCE / Tangible Assets | 8.14% | 10.50% | -2.36% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.84% | 86.97% | -11.13% | 77th top |
| Core Deposit Ratio | 90.56% | 85.54% | +5.02% | 60th above |
| Uninsured Deposit Ratio | 35.68% | 33.12% | +2.56% | 37th below |
| Wholesale Funding Ratio | 0.12% | 5.72% | -5.60% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.53% | 9.69% | -3.16% | 59th above |
| Loan Growth (Y/Y) | 8.86% | 8.05% | +0.81% | 69th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.22% | 7.87% | -1.65% | 59th above |
See Community Bank of Mississippi's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank of Mississippi, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Bank of Mississippi profile, how to read a UBPR, or how this data updates.