Community Bancshares of Mississippi is the holding company for about a dozen banks that bear the Community Bank name. Together, the banks operate some 35 branches throughout Mississippi, as well as locations in Tennessee and Alabama. The banks offer standard services such as checking and savings accounts and certificates of deposit. The company's lending portfolio largely consists of commercial real estate loans, construction and land development loans, and residential mortgages. Employees of the company own a majority of Community Bancshares of Mississippi through an employee stock option plan.