At a glance
From its website, read 2 Nov 2026Community Bancshares of Mississippi, Inc. is a bank holding company based in Flowood, Mississippi. Its website describes auto loans, home mortgages, personal loans and 2 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (601) 362-8493 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.communitybank.net |
| Office (official list) | 1905 Community Bank Way, Flowood, MS 39232 |
What their website says about applying
Fill out our simple online application detailing your personal information and finances.
sourceApplying for a personal loan at Community Bank is simple and straightforward, just visit any of our office locations.
sourceYou can apply for a business loan by visiting your local Community Bank office or contacting one of our experienced lenders.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Jan 2026 |
| RSSD ID | 1080595 |
| Address | 1905 Community Bank Way, Flowood, MS 39232 Directions (Google Maps) |
| Website | www.communitybank.net |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages state no loan amounts or service area, and the mortgage and personal loan pages do not describe a geographic area. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto Loan | source |
| Home mortgages | — | Mortgages - Finance your dream home with Community Bank | source |
| Personal / consumer loans | — | Our personal loans provide flexible terms and competitive rates to help you manage life's expenses with confidence. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Our SBA loans are designed to provide the financial support you need to grow and succeed. | source |
| Small-business loans | — | Community Bank offers a variety of business loans, including options tailored to meet the needs of small businesses, as well as SBA loans to support your growth and financial stability. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Our streamlined online application process makes it simple to get started from the comfort of your home.
source
Pages read (7)
- https://communitybank.net/
- https://communitybank.net/business-banking/business-services/business-credit-cards/
- https://communitybank.net/personal-banking/mortgages/
- https://communitybank.net/mortgage-team/
- https://communitybank.net/personal-banking/credit-card/
- https://communitybank.net/personal-banking/personal-loans/
- https://communitybank.net/business-banking/business-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your SBA-backed loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Community Bank of Mississippi (FDIC cert 8879, total assets $5.1 billion). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $5.1 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 57 in 4 states (as of 30 Oct 2026) |
Offices by state and county (57)
Mississippi (43 offices)
- DeSoto County (3): 475 E Commerce St, Hernando 38632; 6305 Highway 405, Olive Branch 38654; 6910 Airways Blvd, Southaven 38671
- Forrest County (1): 6095 U S Highway 49, Hattiesburg 39401
- George County (1): 5110 Main St, Lucedale 39452
- Greene County (1): 431 Saint Francis St, Leakesville 39451
- Hancock County (1): 541 Main Street, Bay Saint Louis 39520
- Harrison County (5): 732 Howard Ave, Biloxi 39530; 3537 Sangani Blvd, Diberville 39540; 12036 Highway 49, Gulfport 39503; 1380 26th Ave, Gulfport 39501; 2015 E Pass Rd, Gulfport 39507
- Hinds County (2): 1665 Lakeland Dr, Jackson 39216; 6158 Old Canton Rd, Jackson 39211
- Jackson County (2): 2314 Bienville Blvd, Ocean Springs 39564; 3419 Market St, Pascagoula 39567
- Jones County (7): 300 Jessamine Street, Ellisville 39437; 804 Main St, Ellisville 39437; 2157 Highway 15 N, Laurel 39440; 401 Central Avenue, Laurel 39440; 5159 Highway 84 W, Laurel 39443; 909 North 16th Aveue, Laurel 39440; U.S. Highway 11, Sandersville 39477
- Lamar County (1): 5010 Hardy St, Hattiesburg 39402
- Lauderdale County (2): 302 22nd Ave S, Meridian 39301; 5012 Highway 39 N, Meridian 39301
- Lee County (2): 1317 N Gloster St, Tupelo 38804; 307 W Main St, Tupelo 38804
- Madison County (2): 998 Highway 51, Madison 39110; 751 Lake Harbour Dr, Ridgeland 39157
- Monroe County (2): 900 Main St N, Amory 38821; 902 Highway 278 E, Amory 38821
- Oktibbeha County (1): 403 Russell St, Starkville 39759
- Rankin County (7): 1905 Community Bank Way, Flowood 39232 (main office); 1255 W Government St, Brandon 39042; 1871 Spillway Rd, Brandon 39047; 138 Lakeland Heights Blvd, Flowood 39232; 138 Lakeland Heights Boulevard, Flowood 39232; 1905 Community Bank Way, Flowood 39232; 2441 Old Brandon Rd, Pearl 39208
- Scott County (1): 323 E Third St, Forest 39074
- Smith County (1): 210 Mimosa Dr, Raleigh 39153
- Sunflower County (1): 147 Highway 82 E, Indianola 38751
Alabama (7 offices)
- Baldwin County (3): 23797 Alabama Highway 98, Daphne 36526; 813 Estella St, Fairhope 36532; 250 West Fort Morgan Road, Gulf Shores 36542
- Jefferson County (2): 813 Shades Creek Pkwy, Birmingham 35209; 8001 Liberty Pkwy, Vestavia 35242
- Mobile County (2): 111 W I65 Service Rd N, Mobile 36608; 6587 Airport Blvd, Mobile 36608
Florida (6 offices)
- Bay County (2): 1602 W 23rd St, Panama City 32405; 11341 Panama City Beach Pkwy, Panama City Beach 32407
- Escambia County (1): 7150 N 9th Ave, Pensacola 32504
- Okaloosa County (2): 345 E James Lee Blvd, Crestview 32539; 448 Eglin Pkwy Ne, Fort Walton Beach 32547
- Walton County (1): 12590 Emerald Coast Pkwy W, Miramar Beach 32550
Tennessee (1 office)
- Shelby County (1): 6525 N Quail Hollow Rd, Memphis 38120
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Community Bank of Mississippi (RSSD 460033, FDIC cert 8879), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $3.50 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 8.9% from $3.22 billion on 30 Jun 2025 |
| Total assets | $5.09 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $1.24 billion | 35.3% |
| Home equity lines of credit | $245 million | 7.0% |
| Commercial real estate, construction and multifamily | $1.44 billion | 41.1% |
| Commercial and industrial (business) loans | $299.8 million | 8.6% |
| Farmland and farm production loans | $209.3 million | 6.0% |
| Consumer loans (credit cards, auto, other) | $71.8 million | 2.0% |
Within consumer loans: auto loans $12.5 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 306 loans $13.5 million | 2,635 loans $56.1 million |
| $100,001 to $250,000 | 588 loans $71.5 million | 442 loans $41.8 million |
| $250,001 to $1 million | 850 loans $304.3 million | 247 loans $66 million |
| All small business loans | 1,744 loans $389.3 million | 3,324 loans $163.8 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 459 loans $17.8 million | 52 loans $1.1 million |
| $100,001 to $250,000 | 259 loans $32 million | 11 loans $1.3 million |
| $250,001 to $500,000 | 97 loans $25.7 million | 3 loans $582,000 |
| All small farm loans | 815 loans $75.5 million | 66 loans $3 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists Community Bancshares of Mississippi, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Community Bank of Mississippi: 3,869 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $5.09 billion | Larger than 96% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 69% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $3.22 billion → $3.50 billion (+9%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 3 → 3. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 96% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 3 → 3 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 3 SBA-backed approvals for Community Bancshares of Mississippi, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 3 504 projects as the third-party (first-lien) lender: $1.6M in total (its own third-party loan amount), median $550,000
By fiscal year: FY2020 1 · FY2021 2 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (3, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “Community Bancshares of Mississippi, Inc.”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Community Bancshares of Mississippi, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Flowood and Mississippi
- Community Bank of MississippiBank or thrift · Flowood, MSAuto / vehicle loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
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