# COPIAH BANK
HAZLEHURST, MS · FDIC certificate 8231 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $332.2M | |
| Deposits | $288.9M | |
| Loans and leases | $186.3M | |
| Total equity | $38.5M | |
| Loans / deposits | 63.57% (p16 of band) | 82.04% |
| Liquid assets / assets | 38.83% (p81 of band) | |
| Uninsured deposits / deposits | 22.88% (p39 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.60% (p30 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.80% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -5.46% (p60 of band) | -8.10% |
| AOCI / equity | -0.58% (p38 of band) | |
| ROA (annualized) | 0.92% (p27 of band) | 1.28% |
| Net interest margin | 4.06% (p58 of band) | 3.91% |
| Efficiency ratio | 73.81% (p80 of band) | |
| Noncurrent loans | 0.19% (p32 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 770.72% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 35.82% (p43 of band) | |
| Auto loans | $1.9M (1.00% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 64 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | capital falling | charge-offs p90 |
| 2017-03 | 3 | construction >100% equity |  |
| 2017-06 | 1 |  | reserve under noncurrent, capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 0 |  | construction >100% equity |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | construction >100% equity | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | construction >100% equity |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-09-26 [These 10 banks are the oldest in Mississippi. See where and how old - The Clarion-Ledger](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRnFiRjl6dlFjVG1lZVFfM29TMVpKaU9KV0xwY21Cb0RDZUJJVmNNR1AzVXgwLUgtZ3NkU3QwUlI2R0o0RFhQejUxUnRGUl9kOWlXZzZlN3VrbTN2WHk2X3I1V3FxdEFzcl9sYUxyRm4tb2lvUUcxck5lM0pzQzhvT1FGUEY4WERGWDNyVnpoUHBRbVpzTDB3MXlqOXpfVVhN?oc=5) · The Clarion-Ledger
- 2014-09-12 [Bank robbery caught on camera - WAPT](https://news.google.com/rss/articles/CBMidEFVX3lxTE5QcDdVaFNVYlRFd1JXZkRDRkpKTzdzSXR2SU5saFlta1h0czM0Z0FhQ1lSZUdPb0FTSWFBOTJsN3FtU1h3Z3AyYWY1a2w5M09DYndlelNLN3ZtMUJtTGt4bElrQlZLemtYbkF5Z3R5SjVmeXpK?oc=5) · WAPT
- 2021-07-24 [Hazlehurst banker elected president of Mississippi Young Bankers - Daily Leader](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVnVHckFwcEhmdUY3Y0ItdGttd2tpdW9Ec0NKVVpTbXZvaGVhTlBaLU5Cb2Q0QUJyaEJQYlAzS195ODg1emZJWUlEN1pkdlVGR0xpR1ZfdzFSMDFMaUlhMlJld29rN1BGWUZha2dCaE8xWFFKVkJZOEQwNlZDWTNLTTZLR0hKWTZ6SkltS0o3VXY3V2N3a1p4akE0amNoUlRkSWc?oc=5) · Daily Leader
- 2011-08-05 [Byram Police capture suspected bank robbers - WLBT](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMjYtR1dNQkZhUEtITkItX0N6ZkFDa0FieVR5eEJwaE5kTVowQndQSEw3S1l4aTJFak1GZEJvbkVIZ3ZaRlNpcUFKaG9oZVo3V01tWUMzMktVa2pzeVlQbVI2OUduZHR1elFtbmZITkdRQXZVQ3hPYk9uYUJZV2lQM3pFWdIBlgFBVV95cUxNbWtIRVQ0OW5hRVJDQnIzNjNta1lKcGpHbFNEel82bVhLTzRiS3hGTXlXSERUZ19PN21GRnRTQkEyMGVuUE5nZlFSd0pNUTI2Sy03aHlVeVpOTEt4Y2Z0NUdOZVo1TEJKTVdMSTU5RHpSeTkzVWExclhXUzJEX1hfTlMxLXkyQU0taUk4Mnp4M2xKZ0FaeUE?oc=5) · WLBT
- 2014-04-19 [People on the Move: Copiah Bank - The Clarion-Ledger](https://news.google.com/rss/articles/CBMimgFBVV95cUxNX0x6M3UxLV96RGlpRXo5LW5aMUdmcUhMUk5mU1lkdTZUV21zdm1hWWpsbnpkODZXUXk5VnpLenJlSVJQaGpyVE9VZGhyM09OaWE5RElNNDRWSHNhc096dGVya3BCOFAzSUdPQXQ1eUYwZ280Q3k0aXFXSXdiTElsaHZKQVljczYydkZFR1E0UUx1TkR6cHkwdkxR?oc=5) · The Clarion-Ledger
- 2026-07-31 [Co-Lin Foundation welcomes new board members - Daily Leader](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSjByXzBoVEtLeGZfODVQdkJEaGZ5bnJoTy1YOHhqY0JnWEkxY2FvejNQUnNJZzRyWWp3cDRaT3JMQ0RMalZlTkhGWnFDUmE1bnNhR0tGZ3RnSEJtT0s5cUlBSHA2U2dWdEhTSFVSNmNGTWMzX0V0M2RZTW9EaDNvVU8tdHo4emM?oc=5) · Daily Leader
- 2025-11-14 [Edmund E. "Buddy" Prestridge Obituary (2025) - Hazlehurst, MS - Stringer Family Funeral Homes - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNWDdjT2VJOXIwekxNQTNUN2oyYzQzQlpySXBwY1VhSVZNREFrVElmZjRlNzNEWkp6WlBzLWgwMGNqRHpMWGFKTUphb3VKU2QwSzUxRzFQakVEbmpILUNnYk5Ob3VmUGVYSTIyM01iODhlSHI2WjI2N01OdEhVdFhLWUdiRGdmSTA?oc=5) · legacy.com
- 2011-08-08 [Byram bank robbery suspects in court Monday - WLBT](https://news.google.com/rss/articles/CBMihwFBVV95cUxPbXNfaGh6RHQ1dmI0YUhQTmxPcVNMSHBMWmRaYS1uczNXTnp2UUhuQy1OS0FfYm9PYnQ2Q3FodGFNQnlfRjA0c0FJbm93Q0JRTmhNNUxXaklvUkJqcjg5WGpQdnRHZDZiV0dTdlRRUmloVnRGMEZOZzRaTnBsc3NoOVphZ3dOTXPSAZoBQVVfeXFMT2stbER5LXlPM21pTU5kZzNGaW9GWGpvUmxpenB2UkhmaDBUNS13T0dELWViSWJLUXBrcmZkQkhlc1dvdGE2d09SYnpkNHFGNlp3aTlRVzlYM0plVXptbTVJcG5ZbHc3M0E4Y1NqdUM0a3ItTWJCZDQ2RENiem5zWV9vZnlOYWtFY19oYWNfX20tZGxtWEgwdjlhQQ?oc=5) · WLBT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8231 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "8231", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide