The Bank of Holly Springs
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Holly Springs is an FDIC-insured commercial bank headquartered in Holly Springs, MS, established in 1869 (FDIC certificate 8232), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $587.5M, up 2.7% from Q2 2025, the 20th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8232
- Headquarters
- Holly Springs, MS
- Established
- 1869
- Total assets, Q2 2026
- $587.5M
- Assets vs Q2 2025
- +2.7%
- Tier 1 leverage ratio, Q2 2026
- 13.09%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 084201663
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Holly Springs call report
- Holding company
- HOLLY SPRINGS BANCSHARES INC
- Asset rank in state
- 20th of 57 in Mississippi
Problem loans are rising at The Bank of Holly Springs. The Holly Springs, Mississippi bank had $588 million in assets at June 30, 2026, up 2.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.61% of loans from 2.09% a year earlier. It carries problem assets equal to 24.2% of the capital and reserves that would absorb them, 9.1 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also pays an average of 2.47% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Its $52 million commercial and industrial book is improving, with 19.77% past due or on nonaccrual, down from 21.76% a year earlier. Net income for the quarter slipped 20% from a year earlier, to $1.8 million.
As of June 30, 2026, The Bank of Holly Springs reported a return on assets of 1.21%, a nonperforming-loan ratio of 4.61% and a Texas ratio of 24.16%. The figures come from its call report filed with the FFIEC.
The Bank of Holly Springs ranks as the 20th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $587.5M, loans fell 1.3% and deposits fell 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.1% of total loans, ahead of owner-occupied commercial real estate loans at 22.1%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in MS; its Holly Springs 2 offices book 53% of its branch deposits. On its Q2 2026 call report, The Bank of Holly Springs meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 114 S Memphis St, Holly Springs, MS 38635
- County
- Marshall
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- February 1, 1869
- Former names
- Bank of Holly Springs (2020)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 102
- Domestic deposits
- $490.8M
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- $4.6M
- Average total assets
- $590.1M
- Average total loans
- $424.6M
- Average interest-bearing deposits
- $381.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8232
- Fed RSSD
- 835743
- Website
- www.bankofhollysprings.com →
- Parent Holding Company
- HOLLY SPRINGS BANCSHARES INC (RSSD 2590644)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Holly Springs reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank of Holly Springs's total assets ran between $514.9M (Q3 2023) and $597.4M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$587.5M total assets against $572.1M; $506.8M total liabilities against $490.3M.
$423.5M net loans and leases against $427.2M; $490.8M total deposits against $474.2M.
$55.6M securities against $49.9M; $74.7M cash and balances due against $64.9M.
$8.6M total interest income against $9.0M; $3.1M total interest expense against $3.2M.
$5.5M net interest income against $5.8M.
$821K total noninterest income against $491K; $4.1M total noninterest expense against $3.6M.
$447K provision for credit losses against $493K.
$1.8M net income against $2.2M.
1.21% return on assets against 1.55%; 4.01% net interest margin against 4.22%.
13.09% tier 1 leverage ratio against 13.62%.
Inside the full The Bank of Holly Springs terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Bank of Holly Springs rankings
Its closest position to the top of a national ranking is 108 of 3,640, for Texas Ratio; its furthest is 2,290 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.40% (Q4 2025) to 1.94% (Q3 2024) and its net interest margin ran from 4.01% (Q2 2026) to 4.39% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.09% | 1.21% | 4.61% | 24.16% | 4.01% |
| Q1 2026 | 13.00% | 1.36% | 4.02% | 22.26% | 4.09% |
| Q4 2025 | 13.18% | -2.40% | 4.44% | 24.53% | 4.36% |
| Q3 2025 | 14.01% | 1.10% | 2.01% | 11.56% | 4.29% |
| Q2 2025 | 13.62% | 1.55% | 2.09% | 11.79% | 4.22% |
| Q1 2025 | 13.54% | 1.31% | 1.66% | 10.32% | 4.07% |
| Q4 2024 | 13.41% | 1.62% | 1.66% | 10.99% | 4.39% |
| Q3 2024 | 13.27% | 1.94% | 1.64% | 10.66% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Branch | Holly Springs , MS | 38635 | $231.7M |
| Byhalia Branch | Byhalia , MS | 38611 | $78.2M |
| Abbeville Branch | Abbeville , MS | 38601 | $55.7M |
| Potts Camp Branch | Potts Camp , MS | 38659 | $35.1M |
| Bank of Holly Springs | Holly Springs , MS | 38635 | $26.0M |
| Ashland Branch of Bank of Holly Springs | Ashland , MS | 38603 | $19.0M |
| Slayden Branch | Lamar , MS | 38642 | $18.4M |
| Barton Branch | Byhalia , MS | 38611 | $16.4M |
| Victoria Branch | Victoria , MS | 38679 | $10.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2020 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in MS, rank 25 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 286 applications, 239 loans originated, $31.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Holly Springs
What are The Bank of Holly Springs's total assets?
As of the Q2 2026 filing, The Bank of Holly Springs reported total assets of $587.5 million in its FFIEC call report.
Where is The Bank of Holly Springs headquartered?
It is headquartered in Holly Springs, MS, United States.
When was The Bank of Holly Springs founded?
It was established in 1869, per the FDIC institution directory.
Is The Bank of Holly Springs FDIC-insured?
Yes. It 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 The Bank of Holly Springs?
The Bank of Holly Springs's primary federal regulator is the FDIC.
How many branches does The Bank of Holly Springs operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Holly Springs's Texas Ratio?
Its Texas Ratio is 24.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank of Holly Springs previously called?
The charter now named The Bank of Holly Springs has also operated as Bank of Holly Springs (2020), per FDIC structure-change records.
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