BANK OF HOLLY SPRINGS, THE
BANK OF HOLLY SPRINGS, THE is an FDIC-insured commercial bank headquartered in HOLLY SPRINGS, MS, established in 1869. As of , the bank reported total assets of $556M and total deposits of $460M. Profitability stands at -0.24% ROA and -1.62% ROE, with a net interest margin of 4.44%. CET1 capital ratio: 13.79%, well above regulatory minimums. NPL ratio: 4.11% · Texas Ratio: 21.68%. Operates 9 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Bank of Holly Springs, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.79% | -0.24% | 4.11% | 21.68% | 4.44% |
| 2025-09-30 | 14.06% | 1.10% | 1.90% | 10.43% | 4.37% |
| 2025-06-30 | 13.63% | 1.54% | 1.96% | 10.55% | 4.32% |
| 2025-03-31 | 12.99% | 1.29% | 1.62% | 9.59% | 4.16% |
| 2024-12-31 | 12.92% | 1.59% | 1.67% | 10.45% | 4.40% |
| 2024-09-30 | 13.02% | 1.94% | 1.59% | 9.80% | 4.22% |
| 2024-06-30 | 12.85% | 0.94% | 1.36% | 8.46% | 4.25% |
| 2024-03-31 | 12.67% | 1.46% | 1.49% | 8.82% | 4.08% |
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Frequently asked about BANK OF HOLLY SPRINGS, THE
What are Bank of Holly Springs, the's total assets?
As of the Q4 2025 filing, Bank of Holly Springs, the reported total assets of $555.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Holly Springs, the headquartered?
Bank of Holly Springs, the is headquartered in HOLLY SPRINGS, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Holly Springs, the founded?
Bank of Holly Springs, the was established in 1869, per the FDIC institution directory.
Is Bank of Holly Springs, the FDIC-insured?
Yes. Bank of Holly Springs, the is an FDIC-insured commercial bank (FDIC Certificate #8232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Holly Springs, the?
Bank of Holly Springs, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Holly Springs, the's CET1 capital ratio?
Bank of Holly Springs, the reported a Common Equity Tier 1 (CET1) capital ratio of 13.79% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bank of Holly Springs, the operate?
Bank of Holly Springs, the operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bank of Holly Springs, the's Texas Ratio?
Bank of Holly Springs, the's Texas Ratio is 21.68% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.