Community Bank

Community Bank Locations
6808 Airport Boulevard
Mobile, AL 36608
251-338-6200
www.communitybank.net

Community Bank is headquartered in Ellisville and is the 15st largest bank in the state of Mississippi. It is also the 1,036th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 125 employees at 11 locations. Community Bank has a 3-star health rating.

Related Posts

3.01% Reward Checking Account at Community Bank in Louisiana - Local Only - 5/26/2009

Update 11/08/09: The top rate has fallen to 3.01% APY. Refer to the bottom of the post for the rate history.Community Bank is offering a reward checking account with the following rates and features if certain monthly requirements are met:3.01% APY on...

3.25% Reward Checking Account at Community Bank in MS/AL/TN - 8/17/2008

Update 1/26/09: The top yield has fallen to 3.25% APY. Refer to the bottom of the post for the rate history.Community Bank is offering a reward checking account called Big Money Free Checking. It pays 3.25% APY on balances up to $30,000 (1% for above)...

4.08% 12-Month / 3.87% 6-Month CD at a California Bank (Community Bank). - 7/7/2008

Update 7/26/08: The CD special is no longer listed at the bank's website. Please check with the bank for the latest rates and specials.Community Bank has a CD promotion with some attractive rates. These include a 4.18% APY 18-month CD, a 4.08% APY...

5.75% 60-Month CD at a NY/PA Bank (Community Bank, N.A.). - 2/16/2007

Community Bank, N.A. is listing a 5.75% APY 60-month certificate of deposit. The minimum deposit is $1,000. Also listed is a 5.40% APY 18-month CD. These are available as a regular or IRA CD.Branches are located in New York and Pennsylvania. According to...


Data for Q1 2012

Community Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

11444 - Community Bank
8879 - Community Bank of Mississippi
11438 - Community Bank, North Mississippi
34121 - Community Bank, Coast
20329 - Community Bank, National Association

Institution Statistics


Community Bank
FDIC Certificate #11444
BankRate ReportView
Year Established1902
Employees125
Primary RegulatorFDIC

Assets and Liabilities

Assets$639.81 million
Loans$454.42 million
Deposits$570.62 million
Equity Capital$58.38 million
Loan Loss Allowance$6.12 million
Unbacked Noncurrent Loans$7.00 million
Real Estate Owned$14.80 million

Historic Data - March 2011

Assets$625.23 million
Equity Capital$58.03 million
Loan Loss Allowance$6.85 million
Unbacked Noncurrent Loans$10.90 million
Real Estate Owned$12.37 million

Profit Margin - Quarterly

Net Interest Margin4.36%
Return on Assets1.11%
Return on Equity12.06%
Interest Income$7.20 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Community Bank had $21.8 million in non-current loans and owned real-estate with $64.5 million in equity and loan loss allowances on hand to cover it. This gives Community Bank a Texas Ratio of 33.80% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Community Bank held steady from 34.36% as of March 31, 2011 to 33.80% as of March 31, 2012, resulting in a positive change of 1.64%.This indicates that the balance sheet and financial strength for Community Bank has held steady in recent periods.
Deposit Growth4
In the past year, Community Bank has increased its total deposits by $14.57 million, resulting in 2.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Bank has shown is above average.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Bank has $639.81 million in assets with $64.5 million in equity, resulting in a capitalization level of 10.08%, which is above average.
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