Community Bank of Mississippi: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 2.84 percentage points in Q2 2026, from 73.00% to 75.84%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Community Bank of Mississippi is 29th of 57 on return on assets, 1.18% as of Q2 2026, below the middle of the field. Community Bank of Mississippi reported 1.18% on return on assets for Q2 2026, 0.09 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 14.40% |
| Tier 1 leverage ratio | 8.32% |
| Equity capital to assets | 8.45% |
| Tangible equity to tangible assets | 8.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 3.08% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 785.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 14.25% |
| Net interest margin | 4.12% |
| Efficiency ratio | 63.79% |
| Yield on earning assets | 5.78% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.84% |
| Core deposits to total deposits | 90.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.80% |
| Securities to assets | 18.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.91% | 14.91% | 16.05% | 8.30% | 0.55% |
| Q4 2023 | 14.87% | 14.87% | 16.00% | 8.21% | 0.58% |
| Q1 2024 | 14.56% | 14.56% | 15.70% | 7.95% | 0.40% |
| Q2 2024 | 14.31% | 14.31% | 15.43% | 8.06% | 0.45% |
| Q3 2024 | 13.81% | 13.81% | 14.92% | 7.92% | 0.62% |
| Q4 2024 | 13.81% | 13.81% | 14.91% | 8.08% | 0.68% |
| Q1 2025 | 13.57% | 13.57% | 14.70% | 8.24% | 0.70% |
| Q2 2025 | 13.28% | 13.28% | 14.42% | 8.25% | 0.85% |
| Q3 2025 | 13.26% | 13.26% | 14.43% | 8.25% | 0.95% |
| Q4 2025 | 13.28% | 13.28% | 14.47% | 8.18% | 1.03% |
| Q1 2026 | 13.25% | 13.25% | 14.50% | 8.21% | 1.02% |
| Q2 2026 | 13.15% | 13.15% | 14.40% | 8.32% | 1.18% |
Community Bank of Mississippi vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Mississippi, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)