Copiah Bank


101 Caldwell Drive
Hazlehurst, MS 39083
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Copiah Bank is an FDIC insured institution located in Hazlehurst, MS. It was founded in 1891 and has approximately $0.26 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 8231
Date Established 1891
Assets $ 261.68 million
Loans $ 166.78 million
Deposits $ 218.14 million
Capital $ 25.08 million

For a more detailed analysis of Copiah Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 18, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - April 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Copiah Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Test Advertiser QA
2.432% 2.375% 0.75 $1,875 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Copiah Bank
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Financial Details

Copiah Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Copiah Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Copiah Bank U.S. Bank Average
8.91% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, Copiah Bank had $1,405,000 in non-current loans and $1,034,000 in owned real estate. To cover these potential losses it had $25,077,000 in equity and $2,312,000 in loans loss reserves. That gives it a Texas Ratio of 8.91%.

Return on Equity
Copiah Bank U.S. Bank Average
8.22% 9.24%

Copiah Bank has a Return on Equity of 8.22% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Copiah Bank U.S. Bank Average
9.58% 11.96%

Copiah Bank has a Capitalization of 9.58% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Copiah Bank Balance Sheet Analysis

As of December 31, 2020, Copiah Bank had assets of $261,679,000, loans of $166,783,000, and deposits of $218,138,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions $ 24.40 million
Interest-bearing balances $ 19.72 million
Total securities $ 52.30 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 166.78 million
Loan loss allowance $ 2.31 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.03 million
Goodwill and other intangibles N.A.
All other assets $ 9.57 million
     Total Assets $ 236.60 million
Total deposits $ 218.14 million
      Interest-bearing deposits $ 142.34 million
      Deposits held in domestic offices $ 218.14 million
      % insured (estimated) 87.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 17.60 million
Subordinated debt N.A.
All other liabilities $ 0.86 million
      Total Liabilities $ 236.60 million
      Shareholders’ Equity $ 25.08 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 10.32 million
Total Interest Expense $ 1.65 million
Net interest income $ 8.67 million
Provision for loan and lease losses $ 0.38 million
Total non interest income $ 2.22 million
Total non interest expense $ 8.05 million
Pre-tax Net Operating Income $ 2.46 million

Bank Loan Profile?

The top three loan types in Copiah Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Mississippi, Copiah Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.41
Credit Card Loans 0.00
Consumer Auto Loans 0.79
Small Business Loans 17.34
Construction and Development Loans 13.14
Commercial Real Estate 31.31
Commercial and Industrial Loans 8.41
Farm Loans 0.85

Frequently Asked Questions About Copiah Bank

Branches and Savings

Is Copiah Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8231.

Why does Copiah Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Copiah Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Copiah Bank a commercial bank?


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Does Copiah Bank offer mortgages?

Compare mortgage rates here.

Does Copiah Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Copiah Bank offer personal loans?

Compare personal loan rates here.

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Background on The Bank

Who owns Copiah Bank?

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