COMMUNITY BANCSHARES MS EMPLOYEE STK OWNERSHIP PLAN is the bank holding company. COMMUNITY BANK OF MISSISSIPPI is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

COMMUNITY BANCSHARES MS EMPLOYEE STK OWNERSHIP PLAN

1 active bank · 6 merged/absorbed · $5.1B combined assets

RSSD ID: 2313544 (FFIEC NIC)

Combined Assets

$5.1B

CRA Rating Summary

Satisfactory1charter

Across all 40 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCOMMUNITY BANK OF MISSISSIPPIFLOWOOD, MSSatisfactory$5.1BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$5.1B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$4.7B

Net Income

$13M

ROA (avg)

1.02%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

4,505

Origination Rate

77.47%

Denial Rate

7.28%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
COMMUNITY BANK OF MISSISSIPPI	FLOWOOD, MS	FDIC	$5.1B	Satisfactory	Oct 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.