Bank call report · Holly Springs, MS
Unity Bank of Mississippi Call Report
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Unity Bank of Mississippi filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 287 reported line items, schedule by schedule (395 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 837840 |
| FDIC certificate number | 11446 |
| Total assets | $281.8M |
Official Q2 2026 call report PDF (FFIEC) →
Unity Bank of Mississippi call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Unity Bank of Mississippi balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $281.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $281.8M |
| Total Liabilities and Minority Interest | RCON2948 | $261.8M |
| Total Deposits | RCON2200 | $248.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $192.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $150.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $148.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $56.5M |
| Deposits: Noninterest-bearing | RCON6631 | $55.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $46.4M |
| Held-to-maturity Securities, Total | RCON1754 | $46.4M |
| Surplus | RCON3839 | $20.5M |
| Total Equity Capital | RCON3210 | $20.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $20.0M |
| Other Assets | RCON2160 | $11.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$11.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $11.0M |
| Other Borrowed Money | RCON3190 | $10.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.9M |
| Other Liabilities, Total | RCON2930 | $3.6M |
| Other Real Estate Owned | RCON2150 | $3.4M |
| Interest-bearing Balances | RCON0071 | $2.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.8M |
| Intangible Assets | RCON2143 | $423K |
| Common Stock | RCON3230 | $129K |
Schedule RI: Income Statement (39 items)
About Schedule RI · Unity Bank of Mississippi income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.1M |
| Total Noninterest Expense | RIAD4093 | $4.0M |
| Net Interest Income | RIAD4074 | $3.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.1M |
| Total Interest Expense | RIAD4073 | $2.7M |
| Salaries and Employee Benefits | RIAD4135 | $2.2M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.3M |
| Other Noninterest Expense | RIAD4092 | $1.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $936K |
| Interest on Other Securities | RIAD4060 | $868K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $854K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $739K |
| Total Noninterest Income | RIAD4079 | $717K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $618K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $618K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $617K |
| Net Income (Loss) | RIAD4340 | $617K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $617K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $596K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $569K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $526K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $499K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $363K |
| Other Noninterest Income | RIADB497 | $353K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $200K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $153K |
| Provision for Loan and Lease Losses | RIAD4230 | $125K |
| Other Interest Expense | RIADGW44 | $121K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $116K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $84K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $41K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $33K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $25K |
| Other Interest Income | RIAD4518 | $24K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $2K |
| Applicable Income Taxes | RIAD4302 | $1K |
| Noninterest income: Income from insurance activities | RIADHT74 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 59 |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · Unity Bank of Mississippi securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $6.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $5.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $4.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $3.9M |
| Pledged Securities | RCON0416 | $94.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $63.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $41.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $37.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $34.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $32.3M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $28.8M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $25.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $24.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $19.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $12.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $11.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $11.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $10.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $9.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $6.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $5.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $3.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK142 | $2.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK143 | $1.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $1.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $1.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $1.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $1.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $656K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $351K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $315K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $10K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $9K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Unity Bank of Mississippi loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $150.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $66.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $45.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $40.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $40.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $28.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $26.4M |
| Commercial and Industrial Loans | RCON1766 | $23.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $15.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $11.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $10.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $9.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $7.8M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $5.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $4.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $3.3M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $2.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $549K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $483K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $465K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $361K |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $294K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $261K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $201K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $122K |
| Other Loans | RCONJ464 | $69K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $23.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $15.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $3.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $2.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $876K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $420K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $382K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $364K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 199 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 90 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 54 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 30 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 29 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 29 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 17 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 8 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 3 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Unity Bank of Mississippi deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $138.7M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $109.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $89.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $75.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $63.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $55.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $39.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $32.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $32.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $30.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $26.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $25.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $20.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $18.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $17.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $6.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $858K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $619K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.3M |
| Net Deferred Tax Assets | RCON2148 | $2.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.6M |
| Accrued Interest Receivable | RCONB556 | $1.5M |
| Other Assets | RCON2168 | $521K |
| Prepaid Expenses | RCON2166 | $307K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $168K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.8M |
| Deferred Compensation Liabilities | RCONC011 | $1.8M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $834K |
| Other Expenses Accrued and Unpaid | RCON3646 | $766K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $150K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Unity Bank of Mississippi quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $283.1M |
| Quarterly Average of Total Loans | RCON3360 | $151.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $96.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $89.6M |
| All Other Securities | RCONB560 | $65.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $40.8M |
| Mortgage-backed Securities | RCONB559 | $39.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $39.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $28.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $27.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $24.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $5.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $4.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $2.1M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $162K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Unity Bank of Mississippi derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.9M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $1.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $970K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $717K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $196K |
| Performance Standby Letters of Credit | RCON3821 | $99K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Unity Bank of Mississippi memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $10.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $10.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $4.7M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $3.2M |
| All other intangible assets | RCONJF76 | $423K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $130K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Unity Bank of Mississippi past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.2M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $822K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $800K |
| Additions to Nonaccrual Assets | RCONC410 | $467K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $376K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $286K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $238K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $146K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $123K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $31K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $19K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $19K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $19K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $6K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $6K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Unity Bank of Mississippi other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $283.1M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $249.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $124.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $115.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $31.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.9M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $873K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 9,725 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 305 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 99 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Unity Bank of Mississippi regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $283.1M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $282.7M |
| Total Assets | RCOA2170 | $281.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $31.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $31.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $31.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $20.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $20.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$11.6M |
| Retained Earnings | RCOAKW00 | $11.0M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $7.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $6.2M |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | -$6.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$5.7M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $1.1M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $423K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $423K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1104 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0258 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $20.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $19.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $19.2M |
| Other Comprehensive Income | RIADB511 | $230K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Unity Bank of Mississippi charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $485K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $474K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $14K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $10K |
| Charge-offs on All Other Loans | RIAD4644 | $5K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $3K |
| Recoveries on All Other Loans | RIAD4628 | $3K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $2K |
| Charge-offs on Automobile Loans | RIADK129 | $1K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Unity Bank of Mississippi changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.2M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.8M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $485K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$100K |
Unity Bank of Mississippi call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Unity Bank of Mississippi call report?
The Unity Bank of Mississippi call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Unity Bank of Mississippi file?
Unity Bank of Mississippi files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Unity Bank of Mississippi call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Unity Bank of Mississippi has Federal Reserve RSSD ID 837840 and FDIC certificate number 11446. Either one finds its filings on the FFIEC Central Data Repository.
How often does Unity Bank of Mississippi file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Unity Bank of Mississippi financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 11446) · FFIEC NIC profile (RSSD 837840)