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Community Bank of Mississippi
Flowood, MS·FDIC Cert #8879·Charter: STATE·Est. 19050814.0·HC: COMMUNITY BANCSHARES MS EMPLOYEE STK OWNERSHIP PLAN
Total Assets
$5.0B
Q4 2025
Return on Assets
0.89%
+0.05%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.78%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.89%+0.05
ROE
11.09%+0.57
Efficiency
68.78%-1.22
Equity/Assets
0.00%+0.00
NPL Ratio
0.21%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
72.41%+0.47
Charge-offs
0.05%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.4 | 0.5 | 0.5 | 0.7 | 0.8 | 0.8 | 0.9 |
| ROE | 5.8 | 6.1 | 6.9 | 7.5 | 8.9 | 9.9 | 10.5 | 11.1 |
| Efficiency | 82.8 | 82.0 | 79.6 | 78.3 | 72.8 | 71.2 | 70.0 | 68.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.3 | 0.4 | 0.3 | 0.3 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 |
| Loan/Deposit | 66.1 | 69.0 | 70.1 | 70.9 | 70.4 | 73.2 | 71.9 | 72.4 |
Balance Sheet
Total Assets$5.0B
Total Deposits$4.6B
Total Loans$3.3B
Total Equity$414.0M
Profitability
ROA0.89%
ROE11.09%
Efficiency Ratio68.78%
Net Income$43.2M
Risk & Asset Quality
NPL Ratio0.21%
Charge-off Rate0.05%
Loan/Deposit72.41%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans