Community Bank of Mississippi
Flowood, Mississippi, Rankin County
$5.1B in total assets, the 295th largest of 4,309 US banks and 5th of 57 headquartered in Mississippi.
- FDIC certificate
- 8879
- Established
- 1905
- Owned by
- Community Bancshares Ms Employee Stk Ownership Plan
- Primary regulator
- FDIC
- Website
- www.communitybank.net
At a glance
Compared with 10 banks headquartered in Mississippi with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.1B | 90% | $1.7B | |
| Loans | $3.5B | 90% | $1.1B | |
| Deposits | $4.6B | 90% | $1.5B | |
| Return on assets | 1.06% | 30% | 1.10% | |
| Net interest margin | 4.05% | 70% | 3.90% | |
| Efficiency ratio | 65.1% | 70% | 62.9% | |
| Equity to assets | 8.45% | 10% | 11.19% | |
| Loans to deposits | 76% | 30% | 81% |
Growth
Total assets grew 3.4% a year over the last 5 years and 20.9% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2018 | Community Bank, Coast Biloxi, MS, an affiliate under the same holding company | $840M |
| Jan 2018 | Community Bank, North Mississippi Amory, MS, an affiliate under the same holding company | $579M |
| Jan 2018 | Community Bank Ellisville, MS, an affiliate under the same holding company | $721M |
Where they operate
56 branches in 27 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Rankin County, MS | $833M | 18.5% | 2 of 19 |
| Jones County, MS | $458M | 24.3% | 1 of 9 |
| Harrison County, MS | $402M | 8.4% | 4 of 11 |
| Lauderdale County, MS | $275M | 15.1% | 2 of 10 |
| Scott County, MS | $256M | 37.2% | 1 of 6 |
| Walton County, FL | $206M | 6.7% | 6 of 20 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 46 branches since 2016 (10 to 56, +460.0%). 15 opened, 33 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2018 | Acquired 3 banksOpened 3 in 3 states | 36 | 0 | +36 | 46 |
| 2019 | Opened 3 in 3 statesClosed Memphis | 3 | 1 | +2 | 48 |
| 2021 | Opened Vestavia | 1 | 0 | +1 | 49 |
| 2022 | Opened Flowood and Pensacola | 2 | 0 | +2 | 51 |
| 2023 | Opened 3 in 2 statesClosed Flowood | 3 | 1 | +2 | 53 |
| 2024 | Opened Flowood and Laurel | 2 | 0 | +2 | 55 |
| 2025 | Opened Starkville | 1 | 0 | +1 | 56 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 42% | 27% | |
| Commercial real estate | 27% | 36% | |
| Construction and land | 11% | 10% | |
| Business (C&I) | 9% | 12% | |
| Farmland | 6% | 5% | |
| Multifamily | 3% | 5% | |
| Consumer | 2% | 2% | |
| Agricultural | 0% | 2% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 68% | 58% | |
| Time deposits | 25% | 24% | |
| Noninterest-bearing | 7% | 18% |
Brokered deposits are 0.0% of deposits (peers 1.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.24% | 0.76% |
| Net charge-offs, annualized | 0.01% | 0.11% |
| Reserves to loans | 1.14% | 1.13% |
| Leverage ratio | 8.32% | 10.85% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Mississippi
Largest competitors in Rankin County, MS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/mississippi