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Copiah Bank

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Hazlehurst, MS $100M to $1B in assets Est. October 26, 1891 FDIC #8231 RSSD #398837 Routing #065301744 Federal Reserve

Data as of · sourced from FFIEC call reports. How we update

Copiah Bank is an FDIC-insured commercial bank headquartered in Hazlehurst, MS, established in 1891 (FDIC certificate 8231), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $332.2M, up 4.8% from Q2 2025, the 37th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.80% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.

Charter
Commercial bank
Regulator
Federal Reserve
Deposit insurance
FDIC
FDIC certificate
8231
Headquarters
Hazlehurst, MS
Established
1891
Total assets, Q2 2026
$332.2M
Assets vs Q2 2025
+4.8%
Tier 1 leverage ratio, Q2 2026
11.80%
Domestic offices
9 FDIC institution directory, current count
Routing number
065301744
Latest call report
Q2 2026, FFIEC 051 · Copiah Bank call report
Holding company
COPIAH BANCSHARES, INC.
Asset rank in state
37th of 57 in Mississippi
Assets
$332.2M
Deposits
$288.9M
Loans
$186.3M
Equity
$38.5M

Little in Copiah Bank's latest call report stands out. It reported $332 million in assets at June 30, 2026, up 4.8% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.

Loans are outrunning deposits: over the year loans rose 12.5% and deposits rose 3.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.2 million equal 6% of Tier 1 capital, down from 11% a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).

As of June 30, 2026, Copiah Bank reported a return on assets of 0.94%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 0.84%. The figures come from its call report filed with the FFIEC.

By total assets at Q2 2026, Copiah Bank is the 37th largest of the 57 banks headquartered in Mississippi. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $332.2M, loans rose 2.2% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.9% of total loans, ahead of owner-occupied commercial real estate loans at 26.9%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities in MS; its Hazlehurst 2 offices book 45% of its branch deposits. By the capital ratios in its Q2 2026 call report, Copiah Bank meets the community bank leverage ratio test for well capitalized.

Headquarters Profile

Address
101 Caldwell Dr, Hazlehurst, MS 39083
County
Copiah
Metro Area
Jackson, MS
Charter
Commercial bank, state charter, Fed member, FRB-supervised
Primary Regulator
Federal Reserve
FDIC Region
Dallas (Region 13)
Federal Reserve member
Yes
Federal Reserve district
District 6, Atlanta
Fiduciary (trust) powers
Full trust powers granted
Call Report form
FFIEC 051
Established
October 26, 1891
Former names
Copiah Bank, National Association (1984-2016); Bank of Hazlehurst, National Association (1984)
Domestic offices
9 FDIC institution directory, current count
Employees (FTE)
64
Domestic deposits
$288.9M
Allowance for credit losses
$2.7M
Net charge-offs (YTD)
$14K
Average total assets
$325.6M
Average total loans
$182.6M
Average interest-bearing deposits
$195.2M
Tax status
C corporation
Ownership
Stock
Community bank
Yes
FDIC-insured since
January 1, 1934
FDIC Cert
8231
Fed RSSD
398837
SEC CIK
1480138 → filed by COPIAH BANCSHARES, INC.

Profitability

Q2 annualized
Return on Assets0.94%YTD 0.93%
Return on Equity8.02%YTD 8.02%
Net Interest Margin4.11%YTD 4.10%

Balance Sheet

Total liabilities$293.8M
Cash & balances due$12.3M
Securities, available-for-sale$77.3M
Securities, held-to-maturity$39.4M
Goodwill & intangibles$0

Income Statement

Net income Q2$765K
Net interest income YTD$6.2M
Total interest income YTD$8.5M
Total interest expense YTD$2.3M
Provision for credit losses YTD$1K

Operating & Funding

Total noninterest income YTD$647K
Total noninterest expense YTD$5.1M

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Copiah Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures

Quarterly trends

Over the 12 quarters to Q2 2026, Copiah Bank's total assets ran between $303.0M (Q3 2023) and $332.2M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$332.2M total assets against $317.1M; $293.8M total liabilities against $281.6M.

Loans and leases against deposits

$183.7M net loans and leases against $162.9M; $288.9M total deposits against $279.3M.

Securities and cash

$116.7M securities against $119.0M; $12.3M cash and balances due against $17.1M.

Interest income against interest expense

$4.2M total interest income against $4.1M; $1.2M total interest expense against $1.1M.

Net interest income

$3.1M net interest income against $3.0M.

Noninterest income against noninterest expense

$343K total noninterest income against $345K; $2.5M total noninterest expense against $2.4M.

Provision for credit losses

$2K provision for credit losses against -$1K.

Net income

$765K net income against $729K.

Return on assets and net interest margin

0.94% return on assets against 0.90%; 4.11% net interest margin against 3.91%.

CET1 and Tier 1 leverage ratios

11.80% tier 1 leverage ratio against 11.14%.

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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Quarterly trend: last 8 quarters

Across the 8 quarters to Q2 2026, its return on assets ran from 0.81% (Q3 2024) to 1.51% (Q4 2024) and its net interest margin ran from 3.74% (Q1 2025) to 4.14% (Q3 2025).

Quarter Leverage ROA NPL Texas NIM
Q2 2026 11.80% 0.94% 0.19% 0.84% 4.11%
Q1 2026 11.42% 0.91% 0.08% 0.35% 4.10%
Q4 2025 11.48% 0.86% 0.08% 0.36% 3.98%
Q3 2025 11.52% 1.16% 0.11% 0.50% 4.14%
Q2 2025 11.14% 0.90% 0.23% 1.02% 3.91%
Q1 2025 10.98% 0.81% 1.41% 6.29% 3.74%
Q4 2024 11.25% 1.51% 0.21% 0.96% 3.76%
Q3 2024 11.32% 0.81% 0.22% 1.02% 3.80%

Swipe the table sideways to see every column.

Branch Network

View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

1–9 of 9
Branch Location ZIP Deposits
Copiah Bank (main office) Hazlehurst , MS 39083 $105.4M
Florence Branch Florence , MS 39073 $55.9M
Crystal Springs Branch Crystal Springs , MS 39059 $37.2M
Caldwell Branch Hazlehurst , MS 39083 $23.7M
Byram Branch Byram , MS 39272 $19.9M
Wesson Branch Wesson , MS 39191 $18.3M
Clinton Office Branch Clinton , MS 39056 $11.8M
Richland Office Branch Richland , MS 39218 $11.3M
Flowood Branch Flowood , MS 39232 $5.5M

Regulatory record

Facts as filed or published, not a rating.

Enforcement actions
None against the institution on file; 1 against individuals associated with it
Period: Most recent action April 12, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
Deposit market share
0.3% of deposits in MS, rank 43 of 80 institutions
Period: June 30, 2026. Source: FDIC Summary of Deposits.
Mortgage lending (HMDA)
109 applications, 94 loans originated, $11.2M originated, across 1 states
Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
SBA 7(a) lending
2 loans, $594K approved, $297K average. 0.00% of that year's loans have since been charged off
Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
Not on file
Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Copiah Bank: regulatory capital profile · BankRegReports

Frequently asked about Copiah Bank

What are Copiah Bank's total assets?

As of the Q2 2026 filing, Copiah Bank reported total assets of $332.2 million in its FFIEC call report.

Where is Copiah Bank headquartered?

It is headquartered in Hazlehurst, MS, United States.

When was Copiah Bank founded?

It was established in 1891, per the FDIC institution directory.

Is Copiah Bank FDIC-insured?

Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Copiah Bank?

Copiah Bank's primary federal regulator is the Federal Reserve.

How many branches does Copiah Bank operate?

It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

What is Copiah Bank's Texas Ratio?

Its Texas Ratio is 0.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

What was Copiah Bank previously called?

The charter now named Copiah Bank has also operated as Copiah Bank, National Association (1984-2016), Bank of Hazlehurst, National Association (1984), per FDIC structure-change records.

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