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
Unfavorable gap of $6.6M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.72% | 1.06% | 1.45% | Beats 14% | 641 / 746 | |
| Return on Equity | 6.16% | 6.74% | 10.51% | 13.63% | Beats 22% | 579 / 746 | |
| Net Interest Margin | 2.79% | 3.17% | 3.68% | 4.16% | Beats 11% | 663 / 746 | |
| Efficiency Ratio | 86.22% | 55.74% | 64.58% | 75.47% | Beats 10% | 671 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.09% | 0.42% | 1.07% | Beats 33% | 501 / 743 | |
| Net Charge-Offs / Loans | 0.32% | 0.00% | 0.01% | 0.05% | Beats 5% | 706 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 11.55% | 13.75% | 17.60% | Beats 19% | 601 / 746 | |
| Total Risk-Based Capital Ratio | 11.04% | 11.71% | 14.33% | 18.43% | Beats 18% | 612 / 746 | |
| Equity / Assets | 7.10% | 8.90% | 10.51% | 13.06% | Beats 7% | 691 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 60.53% | 61.31% | 78.27% | 90.78% | 24th pctl | 569 / 746 | |
| Loans / Assets | 53.31% | 53.60% | 66.97% | 76.08% | 24th pctl | 565 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |