Lenders › Community Bank of Mississippi
7(a) lenderFlowood, MississippiFDIC-insured bank160th of 2,184 by approvals
Community Bank of Mississippi
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
In FY2021 to FY2025 SBA approved 240 7(a) loans, worth $94.6M, through Community Bank of Mississippi of Flowood, Mississippi, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 160th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 46 approvals totalling $15.3M, up 31% on FY2024 (35). FY2026 to 30 Jun 2026 adds 17 more.
The median approval was $225K, against $190K for the 7(a) program as a whole; 42.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 5 states and territories and 51 counties, led by Mississippi (70.8%), Florida (14.2%) and Alabama (11.7%). The largest industry group was accommodation and food services at 14.6% of approvals, and 12.1% of approvals were to franchise businesses.
Of 996 disbursed loans approved in FY2010 to FY2021, SBA records 65 as charged off (6.5%), 749 as paid in full and 182 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 17 | $14.1M | $500K | $827K | 137 |
| FY2025 | 46 | $15.3M | $150K | $333K | 307 |
| FY2024 | 35 | $11.2M | $200K | $321K | 454 |
| FY2023 | 46 | $21.4M | $225K | $465K | 581 |
| FY2022 | 38 | $16.7M | $306K | $439K | 502 |
| FY2021 | 75 | $30.0M | $250K | $400K | 794 |
| FY2020 | 51 | $14.6M | $150K | $286K | 805 |
| FY2019 | 47 | $8.3M | $122K | $176K | 330 |
| FY2018 | 60 | $14.5M | $125K | $241K | 697 |
| FY2017 | 70 | $11.4M | $100K | $163K | 379 |
| FY2016 | 103 | $28.0M | $150K | $272K | 810 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 331 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Mississippi | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,105 | 5,374 | 639,905 |
| Cancelled or never disbursed | 109 | 516 | 79,313 |
| Disbursed loans | 996 | 4,858 | 560,592 |
| Paid in full | 749 | 3,783 | 435,813 |
| Charged off | 65 | 353 | 36,891 |
| Still outstanding (status exempt from disclosure) | 182 | 722 | 87,888 |
| Charged off, share of disbursed loans | 6.5% | 7.3% | 6.6% |
| Dollars charged off, share of disbursed dollars | 3.1% | 3.2% | 2.5% |
| Dollars charged off | $11.0M | $55.7M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 63 | 23 | 1 | 1.6% | 2.8% |
| FY2020 | 45 | 25 | 0 | 0.0% | 4.0% |
| FY2019 | 42 | 30 | 0 | 0.0% | 6.7% |
| FY2018 | 55 | 41 | 0 | 0.0% | 7.9% |
| FY2017 | 65 | 48 | 3 | 4.6% | 7.7% |
| FY2016 | 92 | 63 | 5 | 5.4% | 7.2% |
| FY2015 | 76 | 58 | 5 | 6.6% | 6.9% |
| FY2014 | 99 | 75 | 7 | 7.1% | 6.4% |
| FY2013 | 100 | 80 | 10 | 10.0% | 6.0% |
| FY2012 | 90 | 77 | 5 | 5.6% | 6.3% |
| FY2011 | 140 | 122 | 11 | 7.9% | 6.9% |
| FY2010 | 129 | 107 | 18 | 14.0% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $225K | $190K |
| Average approval | $394K | $518K |
| Approvals of $150,000 or less | 42.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 49.2% | 34.3% |
| Approvals to franchise businesses | 12.1% | 11.5% |
| Jobs supported per approval, as reported | 11.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 6.5% | 6.6% |
States served
| # | State of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Mississippi | 170 | $67.3M | 70.8% | |
| 2 | Florida | 34 | $7.4M | 14.2% | |
| 3 | Alabama | 28 | $18.1M | 11.7% | |
| 4 | Tennessee | 6 | $1.2M | 2.5% | |
| 5 | Louisiana | 2 | — | 0.8% |
In Mississippi the lender accounts for 10.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (51 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Madison County, MS | 30 | $8.9M | 12.5% | |
| 2 | Rankin County, MS | 22 | $5.3M | 9.2% | |
| 3 | Hinds County, MS | 19 | $4.8M | 7.9% | |
| 4 | Jefferson County, AL | 15 | $10.5M | 6.3% | |
| 5 | Scott County, MS | 12 | $10.6M | 5.0% | |
| 6 | Okaloosa County, FL | 12 | $1.7M | 5.0% | |
| 7 | Jones County, MS | 11 | $2.6M | 4.6% | |
| 8 | Bay County, FL | 11 | $2.5M | 4.6% | |
| 9 | DeSoto County, MS | 10 | $2.7M | 4.2% | |
| 10 | Smith County, MS | 9 | $5.6M | 3.8% | |
| 11 | Harrison County, MS | 9 | $2.6M | 3.8% | |
| 12 | Neshoba County, MS | 6 | $4.6M | 2.5% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 35 | 14.6% | |
| 2 | Agriculture, Forestry, Fishing and Hunting | 33 | 13.8% | |
| 3 | Retail Trade | 29 | 12.1% | |
| 4 | Health Care and Social Assistance | 27 | 11.3% | |
| 5 | Other Services (except Public Administration) | 22 | 9.2% | |
| 6 | Transportation and Warehousing | 14 | 5.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 13 | 5.4% | |
| 8 | Construction | 12 | 5.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 31 | 12.9% | |
| 2 | Poultry and Egg ProductionNAICS 1123 | 29 | 12.1% | |
| 3 | Personal Care ServicesNAICS 8121 | 12 | 5.0% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 11 | 4.6% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 11 | 4.6% | |
| 6 | Child Day Care ServicesNAICS 6244 | 9 | 3.8% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 3.3% | |
| 8 | Scenic and Sightseeing Transportation, WaterNAICS 4872 | 7 | 2.9% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 2.5% | |
| 10 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 4 | 1.7% |
Approval sizes
- $50,000 or less11.7%28
- $50,001 to $150,00030.4%73
- $150,001 to $350,00025.0%60
- $350,001 to $1 million25.4%61
- $1 million to $2 million5.0%12
- Over $2 million2.5%6
Loan terms
- 5 years or less19.2%46
- Over 5 to 10 years43.8%105
- Over 10 to 20 years35.4%85
- Over 20 years1.7%4
Age of the businesses
- Existing, more than 2 years old34.2%82
- New business, 2 years or less10.4%25
- Startup, loan funds will open the business38.8%93
- Change of ownership16.7%40
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 210 | 87.5% | |
| 2 | SBA Express Program | 24 | 10.0% | |
| 3 | 7a General | 6 | 2.5% |
Franchise share
29 of 240 approvals in FY2021–FY2025 (12.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Lost Pizza Co. | 3 | 1.3% | |
| 2 | Montessori Kids Universe | 2 | 0.8% | |
| 3 | Sign Gypsies | 2 | 0.8% | |
| 4 | Americas Best Value Inn | 1 | 0.4% | |
| 5 | Fox's Pizza Den | 1 | 0.4% | |
| 6 | Floor Coverings International | 1 | 0.4% | |
| 7 | Smoothie King | 1 | 0.4% | |
| 8 | The Big Salad | 1 | 0.4% |
Questions and answers
How many SBA loans does Community Bank of Mississippi make?
SBA approved 46 7(a) loans through Community Bank of Mississippi in FY2025, worth $15.3M, and 240 over FY2021 to FY2025. That ranks 160th of 2,184 active 7(a) lenders by number of approvals.
How large are Community Bank of Mississippi's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $225K and the average $394K. The program-wide median was $190K.
What is Community Bank of Mississippi's charge-off rate?
Of 996 disbursed loans approved in FY2010 to FY2021, SBA records 65 as charged off (6.5%), 749 as paid in full and 182 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Community Bank of Mississippi lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (31); poultry and egg production (29); personal care services (12); offices of other health practitioners (11).
Where does Community Bank of Mississippi make SBA loans?
In 5 states and territories. Mississippi 170, Florida 34, Alabama 28, Tennessee 6, Louisiana 2. In Mississippi it accounts for 10.1% of all 7(a) approvals.
Is Community Bank of Mississippi's SBA lending rising?
Approvals in the three latest complete fiscal years total 127, against 164 in the three before: falling (-23%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error