Unity Bank of Mississippi: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unity Bank of Mississippi of Holly Springs, MS against its peer group of 2672 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 | 0.47% | 1.35% | -0.88% | 12th bottom |
| ROAE | 6.88% | 12.06% | -5.18% | 21st bottom |
| Net Interest Margin | 3.05% | 3.90% | -0.85% | 11th bottom |
| Efficiency Ratio | 80.63% | 63.14% | +17.49% | 13th bottom |
| PPNR / Avg Assets | 0.49% | 1.64% | -1.15% | 8th bottom |
| Yield on Earning Assets | 5.02% | 5.65% | -0.63% | 24th bottom |
| Cost of Funds | 2.04% | 1.85% | +0.19% | 35th below |
| Net Interest Spread | 2.43% | 3.35% | -0.92% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.13% | 0.92% | +0.21% | 25th below |
| NPA / Total Assets | 1.80% | 0.67% | +1.13% | 9th bottom |
| NCO / Avg Loans | 1.26% | 0.14% | +1.12% | 2nd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) | 108.33% | 1645.79% | -1537.46% | 30th below |
| Texas Ratio | 23.67% | 7.14% | +16.53% | 5th bottom |
| Provision / NCO | 26.54% | 1189.91% | -1163.37% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.04% | 12.46% | -1.42% | 51st above |
| Equity / Assets | 7.10% | 11.67% | -4.57% | 7th bottom |
| TCE / Tangible Assets | 6.96% | 11.40% | -4.44% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.53% | 78.65% | -18.12% | 83rd top |
| Core Deposit Ratio | 86.98% | 87.09% | -0.11% | 38th below |
| Wholesale Funding Ratio | 3.55% | 5.11% | -1.56% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.23% | 6.48% | -7.71% | 13th bottom |
| Loan Growth (Y/Y) | -1.98% | 7.64% | -9.62% | 15th bottom |
| Deposit Growth (Y/Y) | -4.47% | 6.03% | -10.50% | 8th bottom |
See Unity Bank of Mississippi's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unity Bank of Mississippi, 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 Unity Bank of Mississippi profile, how to read a UBPR, or how this data updates.