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Unity Bank of Mississippi

Holly Springs, MS · Cert 11446 · Unity Capital Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

15

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Unity Bank of Mississippi

Holly Springs, MS · Cert 11446 · Unity Capital Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$281.8MAssets
$150.2MLoans
$248.2MDeposits
$20.0MEquity
Loan mix
83%RE $122.8M15%C&I $22.2M2%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $192.6M22%Noninterest $55.5MQ2 2025Q2 2026

NIM

4.50%Q2 ’244.71%Q2 ’254.71%Q2 ’26-5%+18%

Non-interest income vs. expense

2.78%Q2 ’242.85%Q2 ’252.84%Q2 ’26+9%-1%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.5% share · #31 of 48 inst. · $0.2B of $46.3B

32.7% Marshall
68.1% Benton

Executive Summary

  • Earnings: ROA of 0.43%, up 29 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.80% of loans (-25 bps YoY), with net charge-offs at 0.63%.
  • Capital: tier 1 leverage ratio of 11.04%, up 52 bps from a year ago.
  • Funding: loans stand at 60.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+43 bps YoY

Efficiency Ratio (YTD, annualized)

85.34%-1,362 bps YoY

Tier 1 Leverage Ratio

11.04%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.14%0.16%0.39%0.43%+29 bps
Return on Equity2.52%2.46%2.62%5.92%6.37%+384 bps
Net Interest Margin2.36%2.40%2.42%2.70%2.79%+43 bps
Efficiency Ratio98.95%98.21%97.24%86.62%85.34%-1,362 bps
Non-Interest Burden2.35%2.37%2.36%2.30%2.33%-2 bps
Growth
Asset Growth (YoY)1.51%0.97%-1.11%-1.06%-1.23%-273 bps
Loan Growth (YoY)5.73%3.89%3.62%1.60%-1.98%-772 bps
Deposit Growth (YoY)7.99%8.47%9.22%-1.99%-4.47%-1,246 bps
Asset Quality
Nonperforming Loans / Loans1.05%2.72%2.97%2.97%0.80%-25 bps
Net Charge-Offs / Loans0.01%0.02%0.02%-0.02%0.63%+62 bps
Allowance / Loans1.44%1.40%1.40%1.43%1.22%-22 bps
Allowance Coverage of NPLs1.4x0.5x0.5x0.5x1.5x+0.1x
Capital
Tier 1 Leverage Ratio10.51%10.58%10.54%10.45%11.04%+52 bps
Total Risk-Based Capital10.51%10.58%10.54%10.45%11.04%+52 bps
Equity / Assets5.87%6.21%6.69%6.58%7.10%+123 bps
Liquidity & Funding
Loans / Deposits59.00%62.16%61.61%57.43%60.53%+154 bps
Liquid Assets / Assets17.12%18.44%17.39%19.64%17.44%+32 bps
CRE / Total Capitaln/a307%310%301%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Unity Bank of Mississippi

Holly Springs, MS · Cert 11446 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Unity Capital Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$281.8MAssets
$150.2MLoans
$248.2MDeposits
$20.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 33% of banks under $1B in assets operating in a single state (rank 501 of 743).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets operating in a single state (rank 706 of 743).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.44%

Rank 641 of 746

Net Interest Margin

2.79%

Rank 663 of 746

Efficiency Ratio

86.22%

Rank 671 of 746

Equity / Assets

7.10%

Rank 691 of 746

Non-interest income vs. expense

$1.4M$8.0MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state
Bank 86.22%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.44%0.72%1.06%1.45%Beats 14%641 / 746
Return on Equity6.16%6.74%10.51%13.63%Beats 22%579 / 746
Net Interest Margin2.79%3.17%3.68%4.16%Beats 11%663 / 746
Efficiency Ratio86.22%55.74%64.58%75.47%Beats 10%671 / 746
Asset Quality
Nonperforming Loans / Loans0.80%0.09%0.42%1.07%Beats 33%501 / 743
Net Charge-Offs / Loans0.32%0.00%0.01%0.05%Beats 5%706 / 743
Capital
Tier 1 Capital Ratio11.04%11.55%13.75%17.60%Beats 19%601 / 746
Total Risk-Based Capital Ratio11.04%11.71%14.33%18.43%Beats 18%612 / 746
Equity / Assets7.10%8.90%10.51%13.06%Beats 7%691 / 746
Liquidity & Funding
Loans / Deposits60.53%61.31%78.27%90.78%24th pctl569 / 746
Loans / Assets53.31%53.60%66.97%76.08%24th pctl565 / 746
Brokered Deposits / Depositsn/aNot reported for this institution