TellerScore

Copiah Bank is a state-chartered bank (fed member) headquartered in Hazlehurst, Mississippi, in business for about 135 years. At the end of Q2 2026 it reported $332.2M in total assets and $288.9M in deposits, with 9 offices.

Based on its Q2 2026 filing, Copiah Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 10th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is earnings (57/100; 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.80%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 63.6% · 22.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.84%

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 2 points (76 → 78), mostly because the capital cushion component improved by 7 points.

TellerScore
647279Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202478
Q1 202564
Q2 202576
Q3 202579
Q4 202579
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%8.40%11.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.21%
Q3 202411.32%
Q4 202411.25%
Q1 202510.98%
Q2 202511.14%
Q3 202511.52%
Q4 202511.48%
Q1 202611.42%
Q2 202611.80%
Noncurrent loans
0.08%0.74%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.22%
Q4 20240.21%
Q1 20251.41%
Q2 20250.23%
Q3 20250.11%
Q4 20250.08%
Q1 20260.08%
Q2 20260.19%
Return on assets
0.81%0.95%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20240.95%
Q4 20241.09%
Q1 20250.81%
Q2 20250.86%
Q3 20250.96%
Q4 20250.93%
Q1 20260.92%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$332.2M11.80%0.19%0.92%63.6%
Q1 202678$331.6M11.42%0.08%0.92%61.7%
Q4 202579$329.5M11.48%0.08%0.93%62.3%
Q3 202579$319.8M11.52%0.11%0.96%61.7%
Q2 202576$317.1M11.14%0.23%0.86%58.3%
Q1 202564$332.2M10.98%1.41%0.81%56.5%
Q4 202478$318.1M11.25%0.21%1.09%58.7%
Q3 202477$312.0M11.32%0.22%0.95%61.7%
Q2 202478$308.0M11.21%0.19%1.03%62.5%

2,650 peers · $100 million – $1 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).

Capital ratio11.80%
63rd
Total risk-based capital0.00%
24th
Problem loans0.19%
66th
Net charge-offs0.02%
42nd
Return on assets0.92%
30th
Net interest margin4.06%
57th
Efficiency ratio73.8%
22nd
Loans to deposits63.6%
78th
Uninsured deposits22.9%
53rd
Loan-loss reserves1.43%
74th
Texas ratio0.8%
72nd

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
The Cleveland State BankBank Cleveland, MS76 out of 100, Strong$340.2M11.2%0.26%vs
Bank of KilmichaelBank Kilmichael, MS62 out of 100, Moderate$341.6M9.1%0.96%vs
Bank of Yazoo CityBank Yazoo City, MS79 out of 100, Strong$318.2M12.0%0.01%vs
First Southern BankBank Columbia, MS83 out of 100, Strong$317.3M10.6%0.00%vs
Great Southern BankBank Meridian, MS66 out of 100, Moderate$355.1M9.5%0.67%vs
BankOkolonaBank Okolona, MS67 out of 100, Moderate$359.6M10.1%1.04%vs

Deposit insurance

Is my money safe at Copiah Bank?

Yes. Copiah Bank is an FDIC-insured institution (FDIC certificate #8231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($66.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Copiah Bank lists 9 offices in 8 cities. Most locations:

  • Hazlehurst, MS (2)
  • Byram, MS (1)
  • Clinton, MS (1)
  • Crystal Springs, MS (1)
  • Florence, MS (1)
  • Flowood, MS (1)
  • Richland, MS (1)
  • Wesson, MS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Copiah Bank reported 109 home-loan applications under HMDA (LEI 549300LM58V37XNHOB58): 94 originated ($11,240,000 total), 11 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.5%, 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
Copiah Bank
Former names
Bank of Hazlehurst, National Association; Copiah Bank, National Association; Bank of Hazlehurst
Type
State-chartered bank (Fed member)
FDIC certificate #
8231
RSSD ID
398837
Primary regulator
FED
Holding company
Copiah Bancshares Inc
Established
October 26, 1891
Headquarters
101 Caldwell Dr, Hazlehurst, MS 39083
Employees
64

Quick answers

Copiah Bank: common questions

Is Copiah Bank FDIC insured?

Yes. Copiah Bank is an FDIC-insured institution (FDIC certificate #8231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Copiah Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Copiah Bank ever failed?

There is no failure record for FDIC certificate #8231 in the FDIC failed bank list.

How many branches does Copiah Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hazlehurst

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of BrookhavenBank Brookhaven, MS78 out of 100, Strong$262.2M11.6%0.02%vs
United Mississippi BankBank Natchez, MS75 out of 100, Strong$560.7M11.0%0.19%vs
First BankBank Mccomb, MS74 out of 100, Strong$562.9M13.0%1.11%vs
Pike National BankBank Mccomb, MS72 out of 100, Strong$408.8M11.7%0.59%vs
BankPlusBank Belzoni, MS71 out of 100, Strong$8.4B10.8%0.64%vs
Bank of FranklinBank Meadville, MS70 out of 100, Strong$302.3M9.9%0.27%vs