Community Bank of Mississippi: how it compares with its peers
Against 343 U.S. banks with half to twice its assets, Community Bank of Mississippi's strongest measure in Q2 2026 is net interest margin (4.05% vs. a 3.66% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $9.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.32% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.05% | 3.66% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.07% | 56.14% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $9.7M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.98% | 88.67% | Context |
What it means for lending operations
Its efficiency ratio of 65.07% is above the 56.14% 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
- First National Bank Alaska Anchorage, AK · $5.12B
- Vantage Bank Texas San Antonio, TX · $5.14B
- Community West Bank Fresno, CA · $5.02B
- Barrington Bank & Trust Company, National Association Barrington, IL · $5.17B
- Bank of Stockton Stockton, CA · $4.99B
- Southern Bank Poplar Bluff, MO · $5.19B
Questions about Community Bank of Mississippi
How big is Community Bank of Mississippi?
Community Bank of Mississippi, established in 1905, is headquartered in Flowood, MS. It reported $5.09B in total assets in its Q2 2026 FDIC call report and operates 57 offices.
What is Community Bank of Mississippi's return on assets?
1.11% annualized in Q2 2026, against a 1.32% median for 343 U.S. banks with half to twice its assets, ahead of 31% of them.
What is Community Bank of Mississippi's efficiency ratio?
65.07% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 56.14%, and lower is better.
Is Community Bank of Mississippi growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 6.2%.
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 U.S. 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.