BlastPoint's Banking Scorecard
Community Bank of Mississippi
Flowood, MS
57 branches across MS · AL · FL · TN
Community Bank of Mississippi has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 49.5% in tier
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.90% below tier average
- - ROA 0.34% below tier average
- - Efficiency Ratio 5.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.1B
+6.7% YoY
+2.2% QoQ
|
+$2.3B |
$2.8B
-0.1% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
Top 14.0% in tier |
| Total Loans ? |
$3.4B
+8.8% YoY
+1.7% QoQ
|
+$1.4B |
$2.0B
+0.6% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$4.7B
+6.2% YoY
+2.0% QoQ
|
+$2.3B |
$2.3B
-0.3% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
Top 12.2% in tier |
| Return on Assets ? |
1.02%
+45.8% YoY
+14.6% QoQ
|
-0.34% |
1.37%
+19.6% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
3.91%
+14.6% YoY
+4.8% QoQ
|
+0.09% |
3.82%
+6.9% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
66.38%
-8.8% YoY
-3.5% QoQ
|
+5.32% |
61.06%
-4.6% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
0.23%
-38.0% YoY
+11.7% QoQ
|
-0.66% |
0.89%
+14.1% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
72.17%
+2.5% YoY
-0.3% QoQ
|
-12.04% |
84.20%
+0.3% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
6.39%
+2.1% YoY
+4.3% QoQ
|
-14.90% |
21.29%
-2.5% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.9% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-28.4% YoY
+0.4% QoQ
|
-0.41% |
0.67%
+15.6% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
13.25%
-2.3% YoY
-0.2% QoQ
|
-1.91% |
15.16%
+2.0% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.18%
+3.8% YoY
-72.7% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.