Copiah Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Copiah Bank of Hazlehurst, MS against its peer group of 2757 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 | 0.94% | 1.25% | -0.31% | 29th below |
| ROAE | 8.02% | 12.22% | -4.20% | 24th bottom |
| Net Interest Margin | 4.11% | 3.95% | +0.16% | 59th above |
| Efficiency Ratio | 72.37% | 63.71% | +8.66% | 23rd bottom |
| PPNR / Avg Assets | 1.13% | — | — | 25th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.67% | -0.05% | 51st above |
| Cost of Funds | 1.60% | 1.87% | -0.27% | 62nd above |
| Net Interest Spread | 3.31% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.88% | -0.69% | 66th above |
| NPA / Total Assets | 0.10% | — | — | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 1.43% | — | — | 74th above |
| ACL / NPLs (Coverage) | 770.72% | — | — | 78th top |
| Texas Ratio | 0.84% | 5.96% | -5.12% | 71st above |
| Provision / NCO | 40.00% | — | — | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.80% | 11.75% | +0.05% | 62nd above |
| Equity / Assets | 11.58% | 10.98% | +0.60% | 67th above |
| TCE / Tangible Assets | 11.58% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.49% | 80.44% | -15.95% | 78th top |
| Core Deposit Ratio | 89.92% | 86.95% | +2.97% | 54th above |
| Wholesale Funding Ratio | 0.60% | — | — | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.78% | — | — | 52nd above |
| Loan Growth (Y/Y) | 12.49% | — | — | 80th top |
| Deposit Growth (Y/Y) | 3.45% | — | — | 45th below |
See Copiah Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Copiah Bank, 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 Copiah Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Copiah Bank peer analysis.