BlastPoint's Banking Scorecard
Copiah Bank
Designations: ✓ CDFI-certified
Hazlehurst, MS
9 branches across MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
- Deposits +3.4% year over year ($288.9M on the books).
- Delinquency rate 0.19%.
- Return on assets 0.92%.
- Efficiency ratio 73.81% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.57% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Copiah Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency Ratio 9.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$332.2M
+4.8% YoY
+0.2% QoQ
|
-$54.3M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$183.7M
+12.8% YoY
+2.3% QoQ
|
-$74.7M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$288.9M
+3.4% YoY
-0.8% QoQ
|
-$37.8M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
0.92%
+6.9% YoY
+0.3% QoQ
|
-0.40% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
4.06%
+3.6% YoY
-0.6% QoQ
|
+0.08% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
73.81%
+0.1% YoY
-0.7% QoQ
|
+9.33% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.19%
-21.4% YoY
+140.9% QoQ
|
-0.73% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
63.57%
+9.0% YoY
+3.1% QoQ
|
-14.38% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
31.98%
+2.8% YoY
+2.7% QoQ
|
+9.95% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Top 14.5% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-15.4% YoY
+146.0% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.80%
+5.9% YoY
+3.3% QoQ
|
-4.11% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.19%
-4.3% YoY
+112.4% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.0%
+0.9pp YoY +0.8pp QoQ |
+9.8pp | 22.1% | 23.1% | 22.2% | 85% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.0%
-0.8pp YoY -0.4pp QoQ |
-6.6pp | 11.6% | 12.4% | 12.5% | 20% |
| CRE |
52.0%
+5.4pp YoY +1.2pp QoQ |
+12.5pp | 39.5% | 42.3% | 41.4% | 73% |
| 1-4 Family |
31.4%
-2.1pp YoY -0.4pp QoQ |
-1.2pp | 32.6% | 33.1% | 31.3% | 54% |
| Consumer |
3.3%
-0.4pp YoY -0.2pp QoQ |
-0.8pp | 4.1% | 5.6% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
11.8%
+0.7pp YoY +0.4pp QoQ |
-0.4pp | 12.2% | 11.9% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
64
+2 (+3.2%) YoY +2 (+3.2%) QoQ |
+5 | 58 | 297 | 482 | 66% |
| Assets per Employee ($) |
$5.2M
+1.5% YoY -2.9% QoQ |
-$2.3M | $7.5M | $6.2M | $8.8M | 17% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 22 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY +0.1pp QoQ |
-0.7pp | 0.9% | 0.9% | 1.0% | 29% |
| Allowance Coverage |
7.71x
+8.2% YoY -59.5% QoQ |
-16.45x | 24.15x | 4.87x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.0%
+0.1pp YoY 0.0pp QoQ |
-4.2pp | 12.2% | 11.7% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 35% |
| Net Income ($, YTD) |
$1.5M
+9.8% YoY — QoQ |
-$1.0M | $2.6M | $13.8M | $40.4M | 42% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.