Copiah Bank
Hazlehurst, MS · Cert 8231 · Peer group: banks under $1B in assets (n=581-629) · Copiah Bancshares Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
$332.2MAssets
$186.3MLoans
$288.9MDeposits
$38.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of banks under $1B in assets (rank 200 of 581).
- Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets (rank 463 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.92%
Rank 361 of 629
Net Interest Margin
3.81%
Rank 224 of 629
Efficiency Ratio
73.81%
Rank 406 of 629
Equity / Assets
11.58%
Rank 255 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.60% | 1.01% | 1.45% | Beats 43% | 361 / 629 | | |
| Return on Equity | 7.92% | 5.38% | 9.30% | 13.28% | Beats 40% | 380 / 629 | | |
| Net Interest Margin | 3.81% | 3.03% | 3.54% | 4.05% | Beats 64% | 224 / 629 | | |
| Efficiency Ratio | 73.81% | 58.35% | 67.79% | 79.08% | Beats 36% | 406 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.46% | 1.20% | Beats 66% | 200 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 50% | 295 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.80% | 11.24% | 13.84% | 18.77% | Beats 31% | 433 / 629 | | |
| Total Risk-Based Capital Ratio | 11.80% | 11.58% | 14.43% | 19.66% | Beats 26% | 463 / 629 | | |
| Equity / Assets | 11.58% | 9.09% | 10.65% | 13.80% | Beats 59% | 255 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.49% | 67.24% | 80.90% | 93.48% | 23rd pctl | 460 / 594 | | |
| Loans / Assets | 56.09% | 53.31% | 67.71% | 78.15% | 28th pctl | 452 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |