Copiah Bank
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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
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.
- Website
- WWW.COPIAHBANK.COM →
- Parent Holding Company
- COPIAH BANCSHARES, INC. (RSSD 3319972)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
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
$332.2M total assets against $317.1M; $293.8M total liabilities against $281.6M.
$183.7M net loans and leases against $162.9M; $288.9M total deposits against $279.3M.
$116.7M securities against $119.0M; $12.3M cash and balances due against $17.1M.
$4.2M total interest income against $4.1M; $1.2M total interest expense against $1.1M.
$3.1M net interest income against $3.0M.
$343K total noninterest income against $345K; $2.5M total noninterest expense against $2.4M.
$2K provision for credit losses against -$1K.
$765K net income against $729K.
0.94% return on assets against 0.90%; 4.11% net interest margin against 3.91%.
11.80% tier 1 leverage ratio against 11.14%.
Inside the full Copiah Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCopiah Bank rankings
Its closest position to the top of a national ranking is 2,318 of 4,196, for total assets; its furthest is 2,900 of 3,606, for efficiency ratio.
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.
| 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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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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