Unity Bank of Mississippi: 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: 64.70 percentage points higher than in Q1 2026, at 108.33%. On return on assets, Unity Bank of Mississippi is 4th from the bottom among 57 Mississippi banks, 0.47% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Unity Bank of Mississippi reported 0.47% on return on assets in Q2 2026, 0.78 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.04% |
| Equity capital to assets | 7.10% |
| Tangible equity to tangible assets | 6.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.13% |
| Non-performing assets ratio | 1.80% |
| Net charge-off ratio | 1.26% |
| Texas ratio | 23.67% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 108.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.47% |
| Return on equity | 6.88% |
| Net interest margin | 3.05% |
| Efficiency ratio | 80.63% |
| Yield on earning assets | 5.02% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.53% |
| Core deposits to total deposits | 86.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.08% |
| Securities to assets | 36.52% |
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 | 10.85% | 0.83% | 3.11% | 1.67% | 0.40% |
| Q4 2023 | 11.34% | 0.91% | 3.15% | 1.48% | 0.39% |
| Q1 2024 | 10.34% | 0.23% | 2.69% | 1.42% | 0.02% |
| Q2 2024 | 10.67% | 0.41% | 2.65% | 1.29% | -0.15% |
| Q3 2024 | 10.50% | 0.29% | 2.49% | 1.22% | 0.03% |
| Q4 2024 | 10.47% | 0.26% | 2.51% | 0.87% | 0.15% |
| Q1 2025 | 10.17% | 0.14% | 2.33% | 0.90% | -0.01% |
| Q2 2025 | 10.51% | 0.15% | 2.83% | 1.39% | 0.02% |
| Q3 2025 | 10.58% | 0.14% | 2.72% | 3.06% | 0.06% |
| Q4 2025 | 10.54% | 0.20% | 2.80% | 3.29% | 0.02% |
| Q1 2026 | 10.45% | 0.38% | 2.95% | 3.29% | -0.02% |
| Q2 2026 | 11.04% | 0.47% | 3.05% | 1.13% | 1.26% |
Unity Bank of Mississippi vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity Bank of Mississippi, 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 Unity Bank of Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11446) · FFIEC NIC profile (RSSD 837840)