Copiah Bank (FDIC #8231): Bank Stress & Real-Estate Credit Exposure

Copiah Bank (FDIC Cert #8231): bank stress 67/100, elevated, STABLE over 7 days; parent COPIAH BANCSHARES INC.

Copiah Bank (#8231) lends in 3 counties across 1 state; Copiah Bank (#8231) reaches 44 ZIP codes: Mississippi 3 counties, 44 ZIPs.

Copiah Bank (#8231) largest markets: Hinds County, MS (48 branches, 24 ZIPs) (#8231), Rankin County, MS (42 branches, 14 ZIPs) (#8231), Copiah County, MS (36 branches, 9 ZIPs) (#8231).

Copiah Bank (#8231) reports $332.2 million in total assets; Copiah Bank (#8231) equity $38.5 million (11.6% of Copiah Bank (#8231) assets); Copiah Bank (#8231) domestic deposits $288.9 million; Copiah Bank (#8231) net income $1.5 million; Copiah Bank (#8231) return on assets 0.92%; Copiah Bank (#8231) return on equity 8.02%; Copiah Bank (#8231) net interest income $6.2 million; Copiah Bank (#8231) call report June 30, 2026.

Copiah Bank (#8231) noncurrent real-estate loans: none reported; Copiah Bank (#8231) net charge-offs on real estate 0.19%; Copiah Bank (#8231) residential charge-offs 0.07%.

Copiah Bank (#8231) net interest margin 4.06% against an eight-quarter Copiah Bank (#8231) average of 3.97% (Copiah Bank (#8231) compression -0.10 points); Copiah Bank (#8231) non-residential real estate 7.5% of equity; Copiah Bank (#8231) rate-exposure score 40/100, Copiah Bank (#8231) fixed-rate trap 40/100; Copiah Bank (#8231) risk type credit driven; Copiah Bank (#8231) rate regime rates elevated, Copiah Bank (#8231) snapshot October 19, 2026.

Copiah Bank (#8231) stress score moved from 65.6 on June 22, 2026 to 66.6 on October 19, 2026; Copiah Bank (#8231) ranged 65.6 to 66.6 over 116 snapshots.

Copiah Bank (#8231) alerts: 3 counties; top Copiah Bank (#8231) alert scores: Clinton County, MS 22 (low); Richland County, MS 22 (low); Wesson County, MS 22 (low).