Hazlehurst, MS · Cert 8231 · Copiah Bancshares Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Jackson, MS · 2026 SOD (annual) · 1.2% share · #12 of 30 inst. · $0.3B of $23.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.09% | 0.81% | 0.86% | 0.96% | 0.93% | 0.92% | 0.92% | +6 bps | |
| Return on Equity | 8.88% | 10.19% | 7.63% | 7.96% | 8.73% | 8.42% | 8.03% | 8.02% | +6 bps | |
| Net Interest Margin | 3.70% | 3.57% | 3.54% | 3.59% | 3.69% | 3.63% | 3.75% | 3.81% | +22 bps | |
| Efficiency Ratio | 70.55% | 67.48% | 74.86% | 73.76% | 72.96% | 73.18% | 74.33% | 73.81% | +5 bps | |
| Non-Interest Burden | 2.46% | 2.18% | 2.56% | 2.55% | 2.58% | 2.55% | 2.69% | 2.71% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 3.84% | 7.41% | 2.95% | 2.49% | 3.57% | -0.17% | 4.78% | +183 bps | |
| Loan Growth (YoY) | -9.71% | -8.06% | -3.82% | -4.28% | 1.88% | 5.76% | 7.65% | 12.49% | +1,677 bps | |
| Deposit Growth (YoY) | 1.92% | 3.57% | 7.44% | 2.58% | 2.00% | -0.14% | -1.28% | 3.45% | +87 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.21% | 1.41% | 0.23% | 0.11% | 0.08% | 0.08% | 0.19% | -5 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.02% | 0.01% | 0.02% | 0.02% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 1.61% | 1.65% | 1.64% | 1.67% | 1.56% | 1.50% | 1.46% | 1.43% | -25 bps | |
| Allowance Coverage of NPLs | 7.3x | 7.9x | 1.2x | 7.1x | 13.8x | 18.2x | 19.0x | 7.7x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.25% | 10.98% | 11.14% | 11.52% | 11.48% | 11.42% | 11.80% | +65 bps | |
| Total Risk-Based Capital | 11.32% | 11.25% | 10.98% | 11.14% | 11.52% | 11.48% | 11.42% | 11.80% | +65 bps | |
| Equity / Assets | 11.03% | 10.67% | 10.56% | 11.20% | 11.52% | 11.42% | 11.42% | 11.58% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.71% | 59.70% | 57.40% | 59.31% | 62.63% | 63.23% | 62.60% | 64.49% | +519 bps | |
| Liquid Assets / Assets | 25.44% | 26.67% | 23.73% | 16.88% | 13.55% | 14.46% | 14.27% | 13.83% | -305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 223% | 230% | 241% | n/a | n/a | |