Community Bank of Mississippi (FDIC certificate #8879) is based in Flowood, Mississippi. Its Q2 2026 call report shows $5.1B in total assets and $4.6B in deposits and 57 offices across 4 states.
Based on its Q2 2026 filing, Community Bank of Mississippi scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 57 banks headquartered in Mississippi, it ranks 44th. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is capital cushion (33/100; 8.32%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (61 → 64), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 58 |
| Q4 2024 | 60 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 62 |
| Q4 2025 | 63 |
| Q1 2026 | 64 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.06% |
| Q3 2024 | 7.92% |
| Q4 2024 | 8.08% |
| Q1 2025 | 8.24% |
| Q2 2025 | 8.25% |
| Q3 2025 | 8.25% |
| Q4 2025 | 8.18% |
| Q1 2026 | 8.21% |
| Q2 2026 | 8.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.37% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.25% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $5.1B | 8.32% | 0.25% | 1.11% | 75.0% |
| Q1 2026 | 64 | $5.1B | 8.21% | 0.23% | 1.02% | 72.2% |
| Q4 2025 | 63 | $5.0B | 8.18% | 0.20% | 0.89% | 72.4% |
| Q3 2025 | 62 | $5.0B | 8.25% | 0.27% | 0.84% | 71.9% |
| Q2 2025 | 61 | $4.8B | 8.25% | 0.34% | 0.78% | 73.2% |
| Q1 2025 | 61 | $4.8B | 8.24% | 0.37% | 0.70% | 70.4% |
| Q4 2024 | 60 | $4.7B | 8.08% | 0.32% | 0.55% | 70.9% |
| Q3 2024 | 58 | $4.9B | 7.92% | 0.40% | 0.50% | 70.1% |
| Q2 2024 | 59 | $4.8B | 8.06% | 0.37% | 0.43% | 69.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BankFirst Financial ServicesBank Columbus, MS | 69 out of 100, Moderate | $3.3B | 10.9% | 0.77% | vs |
| Guaranty Bank and Trust CompanyBank Belzoni, MS | 55 out of 100, Moderate | $3.1B | 10.4% | 2.01% | vs |
| Planters Bank & Trust CompanyBank Indianola, MS | 71 out of 100, Strong | $2.7B | 11.2% | 0.61% | vs |
| The Citizens National Bank of MeridianBank Meridian, MS | 70 out of 100, Strong | $1.9B | 11.3% | 0.87% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |
| The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS | 66 out of 100, Moderate | $1.6B | 9.1% | 0.47% | vs |
Deposit insurance
Is my money safe at Community Bank of Mississippi?
Yes. Community Bank of Mississippi is an FDIC-insured institution (FDIC certificate #8879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.7% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.32%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.40% (benchmark: 10%).
57 locations
Branches
Community Bank of Mississippi lists 52 offices in 40 cities across 4 states. Most locations:
- Flowood, MS (3)
- Gulfport, MS (3)
- Laurel, MS (3)
- Brandon, MS (2)
- Hattiesburg, MS (2)
- Jackson, MS (2)
- Meridian, MS (2)
- Mobile, AL (2)
- Tupelo, MS (2)
- Amory, MS (1)
- Bay Saint Louis, MS (1)
- Biloxi, MS (1)
HMDA 2025
Mortgage lending
In 2025, Community Bank of Mississippi reported 4,961 home-loan applications under HMDA (LEI 5493005QK4NV0ZZ5EM64): 3,869 originated ($749,925,000 total), 444 denied, and 371 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Community Bank of Mississippi
- Former names
- Farmers and Merchants Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8879
- RSSD ID
- 460033
- Primary regulator
- FDIC
- Holding company
- Community Bancshares Ms Employee Stk Ownership Plan
- Established
- August 14, 1905
- Headquarters
- 1905 Community Bank Way, Flowood, MS 39232
- Website
- www.communitybank.net
- Employees
- 870
Quick answers
Community Bank of Mississippi: common questions
Is Community Bank of Mississippi FDIC insured?
Yes. Community Bank of Mississippi is an FDIC-insured institution (FDIC certificate #8879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community Bank of Mississippi's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community Bank of Mississippi ever failed?
There is no failure record for FDIC certificate #8879 in the FDIC failed bank list.
How many branches does Community Bank of Mississippi have?
57 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Flowood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS | 97 out of 100, Very strong | $29.2M | 18.1% | 0.10% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Merchants and Planters BankBank Raymond, MS | 91 out of 100, Very strong | $199.0M | 18.2% | 0.00% | vs |
| Magnolia Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $185.6M | 23.4% | 0.55% | vs |
| Members Exchange Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $143.6M | 21.2% | 0.37% | vs |
| Ecm Federal Credit UnionCredit union Ridgeland, MS | 87 out of 100, Very strong | $28.9M | 14.9% | 0.66% | vs |