The Bank of Holly Springs: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.22 percentage points lower than in Q1 2026, at 34.63%. The Bank of Holly Springs ranks 26th of 57 Mississippi banks on return on assets, in the upper half at 1.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Bank of Holly Springs sits 0.04 points lower, at 1.21% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.09% |
| Equity capital to assets | 13.73% |
| Tangible equity to tangible assets | 13.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.69% |
| Non-performing assets ratio | 3.48% |
| Net charge-off ratio | 0.64% |
| Texas ratio | 24.64% |
| Allowance for credit losses to loans | 1.62% |
| Reserve coverage of non-performing loans | 34.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 8.97% |
| Net interest margin | 4.01% |
| Efficiency ratio | 64.38% |
| Yield on earning assets | 6.27% |
| Cost of funds | 2.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.72% |
| Core deposits to total deposits | 78.28% |
| Brokered deposits to total deposits | 4.09% |
| Deposits to assets | 83.53% |
| Securities to assets | 9.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.02% | 3.70% | 3.84% | 1.63% | 0.18% |
| Q4 2023 | 13.49% | 2.14% | 4.36% | 1.66% | 0.34% |
| Q1 2024 | 13.22% | 1.46% | 4.08% | 1.49% | 0.23% |
| Q2 2024 | 13.00% | 0.94% | 4.24% | 1.36% | 0.55% |
| Q3 2024 | 13.27% | 1.94% | 4.21% | 1.59% | 0.45% |
| Q4 2024 | 13.41% | 1.62% | 4.39% | 1.67% | 0.56% |
| Q1 2025 | 13.54% | 1.31% | 4.07% | 1.62% | 0.15% |
| Q2 2025 | 13.62% | 1.55% | 4.22% | 1.96% | 0.46% |
| Q3 2025 | 14.01% | 1.10% | 4.29% | 1.90% | 0.11% |
| Q4 2025 | 13.18% | -2.40% | 4.36% | 4.11% | 0.10% |
| Q1 2026 | 13.00% | 1.36% | 4.09% | 4.05% | 3.68% |
| Q2 2026 | 13.09% | 1.21% | 4.01% | 4.69% | 0.64% |
The Bank of Holly Springs vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Holly Springs, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Holly Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8232) · FFIEC NIC profile (RSSD 835743)