Community Bank Of Ms: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Community Bank Of Ms (FDIC Cert #8879) at 74/100 for bank stress — a elevated level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

At the county level, Community Bank Of Ms finances markets like Jefferson County, AL, Shelby County, TN, Mobile County, AL, Hinds County, MS — the specific places where its credit posture translates into local lending capacity. Because Community Bank Of Ms is held under Community Bancshares Ms Employee Stk Ownership Plan, its financials are open to scrutiny and its trend can be independently checked. What separates this from a plain credit rating is the geographic weighting — Community Bank Of Ms's 74/100 reading reflects not just its balance sheet but the 26 counties it lends into, so the score doubles as a map of where its stress will land first. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 403 ZIP codes Community Bank Of Ms lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Read against its 26-county reach, a elevated score sets the credit tone for every market on its map. Because Community Bank Of Ms is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 74/100 reading stays current and directly comparable — a like-for-like number across 4 states and against any other institution. DLRadar maps Community Bank Of Ms into 26 counties (403 ZIP codes) across 4 states — a mid-sized, multi-state lending base. The deepest footprints are Mississippi (18 counties), Florida (4 counties), Alabama (3 counties), Tennessee (1 county). The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Community Bank Of Ms tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.