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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

$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