Copiah Bank
Hazlehurst, MS · Cert 8231 · Peer group: banks under $1B in assets (n=573-620) · Copiah Bancshares Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
$332.2MAssets
$186.3MLoans
$288.9MDeposits
$38.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 66% of banks under $1B in assets (rank 213 of 620).
- Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets (rank 458 of 620).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.92%
Rank 348 of 620
Net Interest Margin
3.81%
Rank 213 of 620
Efficiency Ratio
73.81%
Rank 396 of 620
Equity / Assets
11.58%
Rank 245 of 620
Non-interest income vs. expense
Unfavorable gap of $8.8M · efficiency ratio beats 36% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.60% | 1.00% | 1.45% | Beats 44% | 348 / 620 | |
| Return on Equity | 7.92% | 5.30% | 9.30% | 13.29% | Beats 40% | 371 / 620 | |
| Net Interest Margin | 3.81% | 3.02% | 3.53% | 4.04% | Beats 66% | 213 / 620 | |
| Efficiency Ratio | 73.81% | 58.35% | 68.08% | 79.37% | Beats 36% | 396 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.47% | 1.27% | Beats 66% | 193 / 573 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 48% | 300 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 11.80% | 11.27% | 13.87% | 18.78% | Beats 31% | 429 / 620 | |
| Total Risk-Based Capital Ratio | 11.80% | 11.69% | 14.57% | 19.67% | Beats 26% | 458 / 620 | |
| Equity / Assets | 11.58% | 9.03% | 10.60% | 13.73% | Beats 60% | 245 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 64.49% | 65.08% | 79.69% | 92.47% | 24th pctl | 446 / 585 | |
| Loans / Assets | 56.09% | 51.85% | 67.17% | 77.86% | 30th pctl | 436 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |