BlastPoint's Banking Scorecard
Community Bank of Mississippi
Flowood, MS
57 branches across MS · AL · FL · TN
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 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
- Deposits +6.2% year over year ($4.6B on the books).
- Delinquency rate 0.25%.
- Return on assets 1.11%.
- Efficiency ratio 65.07% vs a 59.73% peer average.
- Loan-to-deposit ratio 74.98% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Mississippi has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.46% below tier average
- - ROA 0.28% below tier average
- - Efficiency Ratio 5.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.1B
+6.5% YoY
-0.7% QoQ
|
+$2.3B |
$2.8B
-0.6% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
Top 14.2% in tier |
| Total Loans ? |
$3.5B
+8.7% YoY
+3.1% QoQ
|
+$1.5B |
$2.0B
-0.3% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
Top 14.9% in tier |
| Total Deposits ? |
$4.6B
+6.2% YoY
-0.8% QoQ
|
+$2.3B |
$2.3B
-0.5% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
Top 12.1% in tier |
| Return on Assets ? |
1.11%
+41.4% YoY
+8.4% QoQ
|
-0.28% |
1.39%
+17.0% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.05%
+13.5% YoY
+3.7% QoQ
|
+0.18% |
3.87%
+6.2% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
65.07%
-8.7% YoY
-2.0% QoQ
|
+5.34% |
59.73%
-12.6% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
0.25%
-27.3% YoY
+9.9% QoQ
|
-0.61% |
0.87%
+11.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
74.98%
+2.4% YoY
+3.9% QoQ
|
-10.05% |
85.04%
-0.1% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
6.81%
+7.4% YoY
+6.5% QoQ
|
-14.46% |
21.27%
-1.5% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.1% in tier |
| Nonperforming Asset Ratio ? |
0.27%
-24.5% YoY
+4.9% QoQ
|
-0.40% |
0.67%
+11.7% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.15%
-1.0% YoY
-0.8% QoQ
|
-1.70% |
14.84%
-0.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.36%
+0.8% YoY
+96.3% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
65% |
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 |
6.8%
+0.5pp YoY +0.4pp QoQ |
-14.6pp | 21.4% | 23.1% | 22.2% | 6% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
8.7%
-0.3pp YoY -0.3pp QoQ |
-5.4pp | 14.0% | 12.4% | 12.5% | 38% |
| CRE |
41.6%
+0.1pp YoY +0.1pp QoQ |
-8.4pp | 50.0% | 42.3% | 41.4% | 28% |
| 1-4 Family |
42.8%
+0.5pp YoY +0.3pp QoQ |
+16.3pp | 26.4% | 33.1% | 31.3% | 84% |
| Consumer |
2.1%
-0.3pp YoY -0.1pp QoQ |
-2.6pp | 4.7% | 5.6% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
-0.1pp YoY -0.1pp QoQ |
-2.4pp | 15.6% | 16.5% | 19.7% | 44% |
| Leverage Ratio |
8.3%
+0.1pp YoY +0.1pp QoQ |
-3.0pp | 11.3% | 11.9% | 12.6% | 4% |
| Total Capital Ratio |
14.4%
0.0pp YoY -0.1pp QoQ |
-2.3pp | 16.7% | 17.7% | 20.8% | 45% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
870
+16 (+1.9%) YoY +28 (+3.3%) QoQ |
+556 | 313 | 297 | 482 | 96% |
| Assets per Employee ($) |
$5.8M
+4.6% YoY -3.9% QoQ |
-$4.6M | $10.5M | $6.2M | $8.8M | 10% |
| Branch Count |
57
+1 (+1.8%) YoY 0 QoQ |
+37 | 20 | 22 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
0.0pp | 0.2% | 0.3% | 0.4% | 78% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.9% | 1.0% | 16% |
| Allowance Coverage |
4.55x
+51.2% YoY -9.2% QoQ |
-14.16x | 18.71x | 4.87x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 35% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+3.5pp YoY +0.9pp QoQ |
+0.7pp | 12.6% | 11.7% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.8% | 1.7% | 37% |
| Net Income ($, YTD) |
$28.1M
+51.0% YoY — QoQ |
+$8.9M | $19.2M | $13.8M | $40.4M | 81% |
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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.