Community Bank Of Ms (FDIC #8879): Bank Stress & Real-Estate Credit Exposure
Community Bank Of Ms (FDIC Cert #8879): bank stress 74/100, elevated, STABLE over 7 days; parent COMMUNITY BANCSHARES MS EMPLOYEE STK OWNERSHIP PLAN.
Community Bank Of Ms (#8879) lends in 27 counties across 4 states; Community Bank Of Ms (#8879) reaches 409 ZIP codes: Mississippi 19 counties, 184 ZIPs; Florida 4 counties, 57 ZIPs; Alabama 3 counties, 127 ZIPs; Tennessee 1 county, 41 ZIPs.
Community Bank Of Ms (#8879) largest markets: Jefferson County, AL (128 branches, 64 ZIPs) (#8879), Shelby County, TN (41 branches, 41 ZIPs) (#8879), Mobile County, AL (78 branches, 39 ZIPs) (#8879), Hinds County, MS (48 branches, 24 ZIPs) (#8879), Baldwin County, AL (72 branches, 24 ZIPs) (#8879), Escambia County, FL (19 branches, 19 ZIPs) (#8879).
Community Bank Of Ms (#8879) reports $5.09 billion in total assets; Community Bank Of Ms (#8879) equity $430.2 million (8.5% of Community Bank Of Ms (#8879) assets); Community Bank Of Ms (#8879) domestic deposits $4.62 billion; Community Bank Of Ms (#8879) net income $28.1 million; Community Bank Of Ms (#8879) return on assets 1.11%; Community Bank Of Ms (#8879) return on equity 13.33%; Community Bank Of Ms (#8879) net interest income $95.4 million; Community Bank Of Ms (#8879) call report June 30, 2026.
Community Bank Of Ms (#8879) noncurrent real-estate loans 0.01% of its book; Community Bank Of Ms (#8879) residential 0.01%; Community Bank Of Ms (#8879) net charge-offs on real estate 0.25%; Community Bank Of Ms (#8879) residential charge-offs 0.08%.
Community Bank Of Ms (#8879) net interest margin 4.05% against an eight-quarter Community Bank Of Ms (#8879) average of 3.49% (Community Bank Of Ms (#8879) compression -0.56 points); Community Bank Of Ms (#8879) real-estate loans 0.7% of equity; Community Bank Of Ms (#8879) non-residential real estate 7.6% of equity; Community Bank Of Ms (#8879) rate-exposure score 40/100, Community Bank Of Ms (#8879) fixed-rate trap 40/100; Community Bank Of Ms (#8879) risk type credit driven; Community Bank Of Ms (#8879) rate regime rates elevated, Community Bank Of Ms (#8879) snapshot October 19, 2026.
Community Bank Of Ms (#8879) stress score moved from 74.9 on June 22, 2026 to 73.8 on October 19, 2026; Community Bank Of Ms (#8879) ranged 73.8 to 74.9 over 116 snapshots.
Community Bank Of Ms (#8879) alerts: 26 counties; top Community Bank Of Ms (#8879) alert scores: Jackson County, MS 51 (elevated); Amory County, MS 24 (low); Bay Saint Louis County, MS 24 (low); Birmingham County, MS 24 (low); Forest County, MS 24 (low).