Community Bank of Mississippi
Flowood, MS · State Bank, Not a Federal Reserve Member · Part of COMMUNITY BANCSHARES MS EMPLOYEE STK OWNERSHIP PLAN
Summary
- Total assets: $5.1 billion
- Total deposits: $4.6 billion
- Total loans: $3.5 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 11.2% |
| Multifamily | 3.2% |
| Owner-occupied commercial real estate | 14.4% |
| Non-owner-occupied commercial real estate | 12.4% |
| Residential | 42.3% |
| Commercial & industrial | 8.6% |
| Consumer & other | 8.0% |
Health indicators
- Tier 1 leverage ratio: 8.32%
- Total risk-based capital ratio: 14.40%
- Noncurrent loans: 0.25%
- Net charge-offs: 0.01%
- Return on assets: 1.11%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Walton, FL | 1 | $206 million |
| Bay, FL | 2 | $158 million |
| Okaloosa, FL | 2 | $80 million |
| Escambia, FL | 1 | $22 million |