CRA Public File

Community Bank of Mississippi is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). Interested parties can review the data provided and produce hard copy of documents as needed. If you need more details send us a message at cra-cbom@communitybank.net. 

Enacted by Congress in 1977 with the intention of encouraging depository institutions to help meet the credit needs of their surrounding communities particularly low- and moderate-income neighborhoods. The CRA requires federal regulators to assess the record of each institution in helping to fulfill its obligations to the community. This record will then be used in evaluating certain criteria, including their activities related to community development.

• All public comments received for the current year and the prior two calendar years.
• Community Bank’s most recent CRA Performance Evaluation. 
• List of branch locations including hours of operation.
• Branches opened and closed by the bank during the prior two calendar years.
• A list of services (loan and deposit products, and transaction fees) generally offered at the bank’s branches and descriptions of material differences in the availability or cost of services at particular branches, if any.
  • Personal Checking 
  • Personal Savings 
  • Personal Loans
  • Personal Credit Cards
  • Wealth Management
  • Mortgages
  • Business Banking
  • Business Loans
  • Business Credit Cards
  • Service Fees
• A map and tract listing for each assessment area designated by the bank.

Community Reinvestment Act (CRA) Notice

Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us. 

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet the community credit needs, as well as our responses to those comments. You may view this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a list of the banks that are scheduled for CRA examination by the FDIC for the next two quarters. This list is available through the FDIC’s website at www.FDIC.gov.

You may send written comments about our performance in helping to meet community credit needs to Lindsay Woodrow, Senior Vice President, Community Bank of Mississippi, 325 Maxey Drive, Brandon, MS  39042, to the FDIC Regional Director, Division of Supervision and Consumer Protection, 600 North Pearl Street, Suite 700, Dallas, Texas  75201.  You may also submit comments electronically through the FDIC’s Website at www.FDIC.gov/regulations/cra. Your written comments, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Community Bancshares of Mississippi, Inc., a bank holding company. You may request from the Assistant Vice President, Federal Reserve Bank of Atlanta, P.O. Box 1731, Atlanta, Georgia  30301-1731 an announcement of applications covered by the CRA filed by bank holding companies.

CRA Disclosure Statements

For the most recent CRA data available, please select the link below.  Once you arrive at the FFIEC website, you will need to choose the information you wish to review and enter the institution name or Respondent ID.  Community Bank of Mississippi. Respondent ID is 8879.

Community Bank Reported Data.

HMDA Notice

The HMDA data about our residential mortgage lending are available online for review.  The data show the geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

HMDA data for many other financial institutions are available online.  For more information, visit the Consumer Financial Protection Bureau’s website at www.consumerfinance.gov/hmda.