BlastPoint's Banking Scorecard
Copiah Bank
Designations: ✓ CDFI-certified
Hazlehurst, MS
9 branches across MS
Copiah Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 29.7% in tier
- - Deposit Outflow: Bottom 32.2% in tier
- - ROA 0.35% below tier average
- - Efficiency Ratio 9.05% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$331.6M
-0.2% YoY
+0.6% QoQ
|
-$54.5M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$179.6M
+7.8% YoY
+2.4% QoQ
|
-$76.1M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$291.1M
-1.3% YoY
+3.4% QoQ
|
-$36.8M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
0.92%
+13.3% YoY
-1.6% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
4.09%
+6.5% YoY
+3.1% QoQ
|
+0.16% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
74.33%
-0.7% YoY
+1.6% QoQ
|
+9.05% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.08%
-94.5% YoY
-7.0% QoQ
|
-0.81% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
61.68%
+9.2% YoY
-1.0% QoQ
|
-14.95% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
31.14%
-5.1% YoY
-2.0% QoQ
|
+9.12% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.04%
-94.1% YoY
-5.4% QoQ
|
-0.60% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
11.42%
+4.1% YoY
-0.5% QoQ
|
-4.41% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.09%
+1.5% YoY
-77.0% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
47% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.