Copiah Bank: how it compares with its peers
Against 31 MS banks with half to twice its assets, Copiah Bank's strongest measure in Q2 2026 is net interest margin (4.06% vs. a 4.02% peer median). Its weakest relative measure is efficiency ratio (73.81% vs. 64.55%).
| Measure | Copiah Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 1.15% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 4.02% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.81% | 64.55% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $5.3M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.57% | 71.79% | Context |
What it means for lending operations
Its efficiency ratio of 73.81% is above the 64.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Cleveland State Bank Cleveland, MS · $340M
- Bank of Kilmichael Kilmichael, MS · $342M
- Bank of Yazoo City Yazoo City, MS · $318M
- First Southern Bank Columbia, MS · $317M
- Great Southern Bank Meridian, MS · $355M
- BankOkolona Okolona, MS · $360M
Questions about Copiah Bank
How big is Copiah Bank?
Copiah Bank, established in 1891, is headquartered in Hazlehurst, MS. It reported $332M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Copiah Bank's return on assets?
0.92% annualized in Q2 2026, against a 1.15% median for 31 MS banks with half to twice its assets, ahead of 26% of them.
What is Copiah Bank's efficiency ratio?
73.81% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 64.55%, and lower is better.
Is Copiah Bank growing its loans?
Net loans grew 12.8% over the year to Q2 2026, while deposits grew 3.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.