Advertisement
Unity Bank Of Mississippi
Holly Springs, MS · FDIC Certificate #11446 · Chartered 03/1
Total assets
$281.78M
Total deposits
$248.18M
Total equity
$20.02M
Net loans
$148.40M
Branches (offices)
7
Net income (YTD)
$617.00K
Rank: #2,559 of 4,213 U.S. banks by assets · #44 of 57 in Mississippi. Assets changed -1.2% and deposits -4.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 6.37% |
| Net interest margin (YTD) | 3.04% |
| Equity to assets | 7.10% |
| Tier 1 leverage ratio | 11.04% |
| Uninsured deposits (share of deposits) | 36.6% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | 0.62% |
| Loans to deposits | 59.8% |
| Real estate loans (share of loans) | 79.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $118.33M | 79.7% | |
| Commercial & industrial | $23.27M | 15.7% | |
| Consumer / individual | $3.14M | 2.1% | |
| Construction & development | $5.94M | 4.0% | |
| Agricultural | $5.13M | 3.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $277.96M | $259.38M | $805.00K | $13.62M |
| Jun 2023 | $283.62M | $262.93M | $1.14M | $14.38M |
| Jun 2024 | $281.04M | $240.56M | $450.00K | $15.97M |
| Jun 2025 | $285.27M | $259.79M | $210.00K | $16.76M |
| Jun 2026 | $281.78M | $248.18M | $617.00K | $20.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $248.18M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $248.18M.
Similar-sized banks
Fnb Picayune Bank ($282.26M) · The Pennsville National Bank ($281.77M)
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.
Advertisement