Copiah Bank, National Association

Copiah Bank, National Association is headquartered in Hazlehurst and is the 54^th largest bank in the state of Mississippi. It is also the 3,700^th largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 65 employees at 8 locations. Copiah Bank, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Copiah Bank, National Association FDIC Certificate # 8231 BankRate Report View Year Established 1891 Employees 65 Primary Regulator OCC Assets and Liabilities Assets $160.24 million Loans $115.03 million Deposits $144.05 million Equity Capital $14.73 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $645,000 Real Estate Owned $1.42 million Historic Data - March 2011 Assets $154.65 million Equity Capital $13.67 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $691,000 Real Estate Owned $1.36 million Profit Margin - Quarterly Net Interest Margin 5.01% Return on Assets 0.85% Return on Equity 9.31% Interest Income $1.97 million

Institution Health Overall Score: 4 out of 5 Texas Ratio 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 Copiah Bank, National Association had $2.07 million in non-current loans and owned real-estate with $15.98 million in equity and loan loss allowances on hand to cover it. This gives Copiah Bank, National Association a Texas Ratio of 12.95% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Copiah Bank, National Association held steady from 13.84% as of March 31, 2011 to 12.95% as of March 31, 2012, resulting in a positive change of 6.40%.This indicates that the balance sheet and financial strength for Copiah Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Copiah Bank, National Association has increased its total deposits by $4.67 million, resulting in 3.35% 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 Copiah Bank, National Association has shown is above average. Capitalization 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. Copiah Bank, National Association has $160.24 million in assets with $15.98 million in equity, resulting in a capitalization level of 9.97%, which is average.

No reviews have been left for this bank yet. Be the first to review.