Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Dec 2019 |
| RSSD ID | 3319972 |
| Address | 101 Caldwell Drive, Hazlehurst, MS 39083 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Not Available”) |
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
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
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: Copiah Bank (FDIC cert 8231, total assets $332.2 million). 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 | $332.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 9 (as of 30 Oct 2026) |
Offices by state and county (9)
Mississippi (9 offices)
- Copiah County (4): 101 Caldwell Dr, Hazlehurst 39083 (main office); 407 E Railroad Ave, Crystal Springs 39059; 686 Caldwell Dr, Hazlehurst 39083; Highway 51 And Church Street, Wesson 39191
- Hinds County (2): 5754 Terry Rd, Byram 39272; 108 Cynthia St, Clinton 39056
- Rankin County (3): 150 Earl Clark Dr, Florence 39073; 1050 Parkway Blvd, Flowood 39232; 145 W Harper St, Richland 39218
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, Copiah Bank (RSSD 398837, FDIC cert 8231), 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 | $186.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 12.5% from $165.6 million on 30 Jun 2025 |
| Total assets | $332.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $50.6 million | 27.1% |
| Home equity lines of credit | $7.1 million | 3.8% |
| Commercial real estate, construction and multifamily | $95.6 million | 51.3% |
| Commercial and industrial (business) loans | $9.2 million | 4.9% |
| Farmland and farm production loans | $16.6 million | 8.9% |
| Consumer loans (credit cards, auto, other) | $6.1 million | 3.3% |
| All other loans and leases | $1.2 million | 0.6% |
Within consumer loans: auto loans $1.9 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 | 27 loans $1 million | 277 loans $4.8 million |
| $100,001 to $250,000 | 33 loans $3.7 million | 25 loans $2.1 million |
| $250,001 to $1 million | 56 loans $20.6 million | 7 loans $1.3 million |
| All small business loans | 116 loans $25.3 million | 309 loans $8.1 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 | 97 loans $3.7 million | 45 loans $855,000 |
| $100,001 to $250,000 | 35 loans $4.1 million | 3 loans $178,000 |
| $250,001 to $500,000 | 11 loans $2.5 million | none reported |
| All small farm loans | 143 loans $10.3 million | 48 loans $1 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 Copiah Bancshares, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Copiah Bank: 94 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) | $332.2 million | Larger than 33% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 56% | 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 | $165.6 million → $186.3 million (+12%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 57 → 53. |
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 33% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 57 → 53 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).
Other certified CDFIs in Hazlehurst and Mississippi
- Copiah BankBank or thrift · Hazlehurst, MSHome mortgages, Small-business loansVerified
- 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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