Copiah Bank: Bank Stress & Real-Estate Credit Exposure

At 67/100, Copiah Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #8231. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Copiah Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Copiah Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 44 ZIP codes. It concentrates most in Mississippi (3 counties). The combination of a elevated reading and a compact footprint is what makes Copiah Bank worth watching as a supply signal. The Copiah Bank score updates as fresh FDIC call reports post each quarter, so its 67/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Copiah Bank is directly comparable to any lender in the country. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 44 ZIP codes Copiah Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Because Copiah Bank is held under Copiah Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. Its lending reaches counties such as Hinds County, MS, Rankin County, MS, Copiah County, MS, each tied back to DLRadar's distress signals.

For buyers, lender stress is an early map of supply: when Copiah Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.