UNITY BANK OF MISSISSIPPI

HOLLY SPRINGS, MS | Small | Est. March 15, 1899, midnight | FDIC #11446 | RSSD #837840 | FDIC
Latest Report: 2025-12-31

UNITY BANK OF MISSISSIPPI is asn small FDIC-insured commercial bank headquartered in HOLLY SPRINGS, MS, established in March 15, 1899, midnight. As of 2025-12-31, the bank reported total assets of $287M and total deposits of $252M. Profitability stands at 0.20% ROA and 3.09% ROE, with a net interest margin of 2.76%. The bank's CET1 capital ratio is 6.54%. Asset quality metrics show a non-performing loan ratio of 2.97% and a Texas Ratio of 22.07%. FDIC Certificate #11446.

Assets

$287M

Deposits

$252M

Loans

$155M

Equity

$19M

Profitability

Return on Assets (ROA) 0.20%
Return on Equity (ROE) 3.09%
Net Interest Margin (NIM) 2.76%
Yield on Assets 5.19%
Cost of Funds 2.42%

Asset Quality

NPL Ratio 2.97%
Net Charge-Off Ratio 0.02%
Texas Ratio 22.07%
NPA Ratio 1.64%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 6.54%
Tier 1 Capital 6.54%
Total Capital Ratio 6.86%
Leverage Ratio 10.54%
Loan-to-Deposit 61.61%

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