Unity Bank of Mississippi
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Data as of · sourced from FFIEC call reports. How we update
Unity Bank of Mississippi is an FDIC-insured commercial bank headquartered in Holly Springs, MS, established in 1899 (FDIC certificate 11446), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $281.8M, down 1.2% from Q2 2025, the 44th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.04% 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
- 11446
- Headquarters
- Holly Springs, MS
- Established
- 1899
- Total assets, Q2 2026
- $281.8M
- Assets vs Q2 2025
- -1.2%
- Tier 1 leverage ratio, Q2 2026
- 11.04%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 084201676
- Latest call report
- Q2 2026, FFIEC 051 · Unity Bank of Mississippi call report
- Holding company
- UNITY CAPITAL CORPORATION
- Asset rank in state
- 44th of 57 in Mississippi
Unity Bank of Mississippi, based in Holly Springs, Mississippi, reported $282 million in assets at June 30, 2026, down 1.2% from a year earlier. It carries problem assets equal to 21.4% of the capital and reserves that would absorb them, 8.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 4.5% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Its $16 million non-owner-occupied commercial real estate book is now fully current, after 16.67% of it was past due or on nonaccrual a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 39% of Tier 1 capital, down from 56% a year earlier. Its margin is thin by comparison: it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Unity Bank of Mississippi reported a return on assets of 0.47%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 21.41%. The figures come from its call report filed with the FFIEC.
Unity Bank of Mississippi ranks as the 44th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.2% to $281.8M, loans fell 1.5% and deposits fell 6.5%. Owner-occupied commercial real estate loans made up 44.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 17.9%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in MS; its Holly Springs 3 offices book 74% of its branch deposits. Judged on its Q2 2026 call report, Unity Bank of Mississippi meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 650 Highway 7 S, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 15, 1899
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $248.2M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $471K
- Average total assets
- $283.1M
- Average total loans
- $151.8M
- Average interest-bearing deposits
- $198.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11446
- Fed RSSD
- 837840
- SEC CIK
- 747683 → filed by UNITY CAPITAL CORPORATION
- Website
- unityms.bank →
- Parent Holding Company
- UNITY CAPITAL CORPORATION (RSSD 1100028)
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, Unity Bank of Mississippi 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, Unity Bank of Mississippi's total assets ran between $270.1M (Q3 2023) and $292.4M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$281.8M total assets against $285.3M; $261.8M total liabilities against $268.5M.
$148.4M net loans and leases against $151.1M; $248.2M total deposits against $259.8M.
$102.9M securities against $108.5M; $6.6M cash and balances due against $4.7M.
$3.3M total interest income against $3.4M; $1.3M total interest expense against $1.6M.
$2.0M net interest income against $1.8M.
$370K total noninterest income against $355K; $2.0M total noninterest expense against $2.1M.
$25K provision for credit losses against $0.
$335K net income against $107K.
0.47% return on assets against 0.15%; 3.05% net interest margin against 2.83%.
11.04% tier 1 leverage ratio against 10.51%.
Inside the full Unity Bank of Mississippi 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Unity Bank of Mississippi rankings
Its closest position to the top of a national ranking is 145 of 3,640, for Texas Ratio; its furthest is 3,271 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q1 2025) to 0.47% (Q2 2026) and its net interest margin ran from 2.33% (Q1 2025) to 3.05% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.04% | 0.47% | 0.80% | 21.41% | 3.05% |
| Q1 2026 | 10.45% | 0.38% | 2.97% | 22.35% | 2.95% |
| Q4 2025 | 10.54% | 0.20% | 2.97% | 22.56% | 2.80% |
| Q3 2025 | 10.58% | 0.14% | 2.72% | 21.94% | 2.72% |
| Q2 2025 | 10.51% | 0.15% | 1.05% | 8.73% | 2.83% |
| Q1 2025 | 10.17% | 0.14% | 0.55% | 4.53% | 2.33% |
| Q4 2024 | 10.47% | 0.26% | 0.52% | 4.28% | 2.51% |
| Q3 2024 | 10.50% | 0.29% | 0.87% | 6.63% | 2.49% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Downtown Branch | Holly Springs , MS | 38635 | $133.0M |
| Unity Bank of Mississippi (main office) | Holly Springs , MS | 38635 | $49.4M |
| Ashland Branch | Ashland , MS | 38603 | $32.8M |
| Mount Pleasant Branch | Mount Pleasant , MS | 38649 | $14.0M |
| Byhalia Branch | Byhalia , MS | 38611 | $11.1M |
| Hickory Flat Branch | Hickory Flat , MS | 38633 | $7.8M |
| Craft Street Branch | Holly Springs , MS | 38635 | $0 |
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 |
|---|---|---|---|
| September 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2021 | Structure Change | Acquired First State 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
- 0.3% of deposits in MS, rank 50 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 37 applications, 25 loans originated, $3.4M originated, across 2 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $65K approved, $65K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (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 Unity Bank of Mississippi
What are Unity Bank of Mississippi's total assets?
As of the Q2 2026 filing, Unity Bank of Mississippi reported total assets of $281.8 million in its FFIEC call report.
Where is Unity Bank of Mississippi headquartered?
It is headquartered in Holly Springs, MS, United States.
When was Unity Bank of Mississippi founded?
It was established in 1899, per the FDIC institution directory.
Is Unity Bank of Mississippi FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11446). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unity Bank of Mississippi?
Unity Bank of Mississippi's primary federal regulator is the FDIC.
How many branches does Unity Bank of Mississippi operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unity Bank of Mississippi's Texas Ratio?
Its Texas Ratio is 21.41% 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.
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