Copiah Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 10.60 percentage points lower than in Q1 2026, at 33.55%. Within Mississippi, Copiah Bank is 42nd of 57 on loan-to-deposit ratio, 64.49% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Copiah Bank sits 16.06 points lower, at 64.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $186.3M |
| Net loans and leases | $183.7M |
| Loans held for sale | $0 |
| Loans to total assets | 56.09% |
| Loan-to-deposit ratio | 64.49% |
| Net loans to equity capital | 4.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.51% |
| Multifamily (5+ residential) | 4.40% |
| Commercial and industrial | 4.91% |
| Consumer | 3.28% |
| Credit cards | 0.00% |
| Farm | 8.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.60% |
| Construction concentration (Tier 1 capital + allowance) | 33.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.55% |
| Interest income on loans | $3.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $190.9M | $269.7M | 30.30% | 5.13% | 3.09% |
| Q4 2023 | $183.0M | $272.1M | 31.15% | 5.04% | 3.21% |
| Q1 2024 | $176.0M | $274.5M | 32.90% | 4.93% | 3.20% |
| Q2 2024 | $173.0M | $272.3M | 32.40% | 5.15% | 3.33% |
| Q3 2024 | $172.4M | $274.9M | 32.52% | 4.99% | 3.53% |
| Q4 2024 | $168.3M | $281.9M | 33.10% | 5.40% | 3.46% |
| Q1 2025 | $169.3M | $294.9M | 33.39% | 5.65% | 2.40% |
| Q2 2025 | $165.6M | $279.3M | 32.45% | 5.72% | 3.69% |
| Q3 2025 | $175.6M | $280.4M | 35.68% | 5.52% | 3.53% |
| Q4 2025 | $178.0M | $281.5M | 35.74% | 5.53% | 3.47% |
| Q1 2026 | $182.2M | $291.1M | 36.02% | 5.29% | 3.45% |
| Q2 2026 | $186.3M | $288.9M | 39.51% | 4.91% | 3.28% |
Copiah Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Copiah Bank, freeSource: Call Report Schedule RC-C, 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 Copiah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8231) · FFIEC NIC profile (RSSD 398837)