🏦Bank Scorer

COMMUNITY BANK OF MISSISSIPPI

FLOWOOD, MS · Supervised by FDIC

Est. 1905FDIC #8,879RSSD: FDIC-8879
Satisfactory Same

Current rating · Exam: October 2023

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.02%

Institution Profile

FDIC BankFind

Address

1905 Community Bank Way, FLOWOOD, MS

County

Rankin County

Established

August 14, 1905

Total Assets

$5.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2023

Exam Type

Large Bank

Regulator

FDIC
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.1B

Total Deposits

$4.7B

Net Loans

$3.4B

Net Income

$13M

ROA

1.02%

ROE

12.41%

Risk-Based Capital

14.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.28%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

55

Branch Deposits

$4.4B

1-Year Change

+1

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244,50577.47%7.28%
20234,40477.32%6.18%
20224,89684.66%3.64%
20215,70984.64%3.35%
20206,11382.38%3.08%
20194,35589.25%3.33%
20184,58487.91%3.53%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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