Community Bank of Mississippi
Flowood, Mississippi · $5.09B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)
The filing
Community Bank of Mississippi is the third largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $5.09B in assets at 30 June 2026. Loans are 75.8% of deposits, 3rd of 12 against a median of 84.7%, and equity is 8.5% of assets, 7th of 12. Loans grew +8.9% in the year, 6th of 12, and deposits grew 6.2%; the cohort's median loan growth is +7.1%.
Noncurrent loans are 0.25% of the book, 5th of 12 against a median of 0.40%; 1.03% is 30 to 89 days past due, and the allowance covers them 4.5 times. Commercial real estate is 26.8% of loans, 4th of 12 against a median of 32.3%, and 202% of capital, below the 300% screen, with construction at 84% against the 100% screen.
Return on assets is 1.10%, 10th of 12 against a median of 1.16%, on an efficiency ratio of 65.1%, 8th of 12. Five years ago it was 0.95%. The question is which of these lines moves first over the next four quarters, and against which peer.
SBA 7(a), FY2008 to FY2026
Community Bank of Mississippi is the 1st largest 7(a) lender into Mississippi of 206, with $460M across 1,205 loans, 15.3% of everything approved in the state (Community Bank of Mississippi leads with $460M). 58 of its 93 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.
| County | Approved | Rank | Share | Trend |
|---|---|---|---|---|
| Jones, MS | $38M | 1st of 28 | 29.2% | thin |
| Scott, MS | $35M | 1st of 21 | 42.6% | -23.4 pts |
| Covington, MS | $35M | 2nd of 19 | 21.7% | thin |
| Rankin, MS | $32M | 1st of 65 | 15.2% | -2.0 pts |
| Madison, MS | $30M | 1st of 65 | 19.7% | -4.9 pts |
| Neshoba, MS | $22M | 2nd of 19 | 27.1% | -17.2 pts |
| Smith, MS | $20M | 1st of 15 | 35.0% | +13.2 pts |
| Hinds, MS | $18M | 1st of 57 | 9.8% | -4.3 pts |
| Harrison, MS | $17M | 2nd of 61 | 8.3% | -6.5 pts |
| Leake, MS | $16M | 2nd of 14 | 12.1% | +11.4 pts |
| Lamar, MS | $15M | 1st of 28 | 32.9% | quiet FY2022 |
| Jefferson, AL | $14M | 15th of 128 | 2.0% | +0.1 pts |
| Newton, MS | $14M | 1st of 14 | 36.4% | +9.1 pts |
| Industry | Loans | Approved | Share of book | Share of sector | Rank |
|---|---|---|---|---|---|
| Agriculture, forestry & fishing | 446 | $267M | 50.1% | 3.29% | 3rd of 1,007 |
| Accommodation & food services | 180 | $62M | 11.7% | 0.08% | 191st of 2,596 |
| Retail trade | 171 | $43M | 8.0% | 0.07% | 202nd of 2,589 |
| Health care & social assistance | 89 | $28M | 5.3% | 0.06% | 202nd of 2,172 |
| Other services | 81 | $24M | 4.6% | 0.07% | 207th of 2,248 |
Commercial real estate against capital
| Community Bank of Mississippi | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 202% | 4th of 12 | 221% |
| Construction against capital, the 100% screen | 84% | 10th of 12 | 64% |
| Construction and land development, share of loans | 11.2% | 9th of 12 | 9.3% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 12.4% | 4th of 12 | 16.4% |
| Total CRE, the guidance definition, share of loans | 26.8% | 4th of 12 | 32.3% |
| CRE growth over 36 months, the third prong | +39.2% | 9th of 12 | +26.5% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $6.11B | 1.1% | 58.4% | 0.24% | 0.03% | 1.0% | 87.0% | 10.8% | |
| $5.98B | 1.4% | 52.7% | 0.63% | 0.04% | 1.3% | 84.2% | 10.1% | |
| $5.09B | 1.1% | 65.1% | 0.25% | 0.01% | 1.1% | 75.8% | 8.5% | |
| $4.02B | 1.5% | 47.4% | 0.48% | 0.02% | 1.4% | 81.6% | 8.8% | |
| $4.01B | 1.3% | 69.7% | 0.21% | -0.03% | 1.0% | 96.6% | 12.5% | |
| $3.89B | 0.4% | 68.9% | 2.30% | 1.33% | 1.9% | 50.9% | 6.7% | |
| $3.86B | 1.1% | 74.0% | 1.60% | 0.42% | 1.8% | 85.2% | 8.4% | |
| $3.85B | 1.2% | 63.3% | 0.63% | 0.02% | 1.2% | 95.2% | 11.5% | |
| $3.83B | 1.1% | 64.1% | 0.12% | 0.00% | 1.0% | 70.5% | 8.3% | |
| $3.70B | 0.4% | 85.2% | 0.17% | 0.14% | 1.3% | 81.2% | 8.4% | |
| $3.63B | 1.3% | 56.2% | 0.31% | 0.14% | 1.0% | 102.8% | 7.8% | |
| $3.60B | 1.4% | 59.3% | 0.95% | 0.06% | 1.2% | 90.3% | 13.6% |
| Community Bank of Mississippi | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $2.67B | $3.50B | +31% | $1.94B | $2.90B | +50% |
| Deposits | $3.91B | $4.62B | +18% | $2.40B | $3.33B | +39% |
| NPA / loans | 0.43% | 0.25% | -0.18 pts | 0.44% | 0.40% | -0.04 pts |
| Efficiency | 65.2% | 65.1% | -0.2 pts | 62.9% | 63.7% | +0.8 pts |
| ROA | 0.95% | 1.10% | +0.15 pts | 1.20% | 1.16% | -0.04 pts |
This read was prepared for Community Bank of Mississippi's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Community Bank of Mississippi is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.communitybank.net
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