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Bank Of Holly Springs
Holly Springs, MS · FDIC Certificate #8232 · Chartered 02/0
Total assets
$587.51M
Total deposits
$490.76M
Total equity
$80.68M
Net loans
$423.50M
Branches (offices)
9
Net income (YTD)
$3.77M
Rank: #1,582 of 4,213 U.S. banks by assets · #20 of 57 in Mississippi. Assets changed 2.7% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 9.54% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 13.73% |
| Tier 1 leverage ratio | 13.09% |
| Uninsured deposits (share of deposits) | 32.0% |
| Noncurrent loans (share of loans) | 4.61% |
| Net charge-offs (share of loans) | 2.13% |
| Loans to deposits | 86.3% |
| Real estate loans (share of loans) | 79.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $336.58M | 79.5% | |
| Commercial & industrial | $52.28M | 12.3% | |
| Consumer / individual | $36.78M | 8.7% | |
| Construction & development | $58.54M | 13.8% | |
| Agricultural | $4.54M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $443.06M | $362.26M | $3.67M | $67.62M |
| Jun 2023 | $499.38M | $405.34M | $2.92M | $69.58M |
| Jun 2024 | $551.61M | $461.07M | $3.26M | $74.79M |
| Jun 2025 | $572.06M | $474.16M | $4.09M | $81.77M |
| Jun 2026 | $587.51M | $490.76M | $3.77M | $80.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $490.76M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $490.76M.
Similar-sized banks
Peoples National Bank Of Kewanee ($587.63M) · Kingston National Bank ($586.28M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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