The Bank of Holly Springs: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Holly Springs of Holly Springs, MS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.21% | 1.34% | -0.13% | 46th below |
| ROAE | 8.97% | 13.33% | -4.36% | 30th below |
| Net Interest Margin | 4.01% | 3.93% | +0.08% | 54th above |
| Efficiency Ratio | 64.38% | 61.13% | +3.25% | 41st below |
| PPNR / Avg Assets | 1.52% | 1.68% | -0.16% | 45th below |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 2.47% | 1.88% | +0.59% | 16th bottom |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.69% | 0.94% | +3.75% | 3rd bottom |
| NPA / Total Assets | 3.48% | 0.70% | +2.78% | 2nd bottom |
| NCO / Avg Loans | 0.64% | 0.16% | +0.48% | 5th bottom |
| ACL / Total Loans | 1.62% | 1.28% | +0.34% | 84th top |
| ACL / NPLs (Coverage) | 34.63% | 1547.06% | -1512.43% | 5th bottom |
| Texas Ratio | 24.64% | 7.33% | +17.31% | 5th bottom |
| Provision / NCO | 17.16% | 1396.06% | -1378.90% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.09% | 12.14% | +0.95% | 76th top |
| Equity / Assets | 13.73% | 11.36% | +2.37% | 83rd top |
| TCE / Tangible Assets | 13.10% | 11.08% | +2.02% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.72% | 80.66% | +7.06% | 34th below |
| Core Deposit Ratio | 78.28% | 86.85% | -8.57% | 13th bottom |
| Wholesale Funding Ratio | 1.70% | 5.04% | -3.34% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.70% | 6.84% | -4.14% | 37th below |
| Loan Growth (Y/Y) | -0.23% | 7.92% | -8.15% | 22nd bottom |
| Deposit Growth (Y/Y) | 3.50% | 6.29% | -2.79% | 46th below |
See The Bank of Holly Springs's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Holly Springs, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank of Holly Springs profile, how to read a UBPR, or how this data updates.