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Community Bank Of Mississippi

IDRSSD: 460033
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #460033 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (strong).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +4
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +2
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.1%, cash 6.7% of assets.

Cash / Assets
6.70%
Loans / Deposits
70.11%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +4
82
Sub-score

Securities profile is strong: securities 25.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.50%
No watch items at this period.

Capitalization

StrongQoQ -3
87
Sub-score

Capital position is strong: Tier 1 RBC 13.81%, CET1 13.81%, leverage 7.89%.

Tier 1 RBC
13.81%
CET1
13.81%
Leverage
7.89%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 2.9%, NCO YTD 0.04%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.04%
30-89 PD
1.05%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
83
Sub-score

Reserves are strong: ALLL 0.98% of loans, coverage 245.6%, true coverage 244.2%.

ALLL / Loans
0.98%
Coverage
245.6%
True Loss Coverage
244.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:13:49 UTC