Holly Springs, MS · Cert 11446 · Unity Capital Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.5% share · #31 of 48 inst. · $0.2B of $46.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.29% | 0.14% | 0.15% | 0.14% | 0.16% | 0.39% | 0.43% | +29 bps | |
| Return on Equity | 5.19% | 5.01% | 2.48% | 2.52% | 2.46% | 2.62% | 5.92% | 6.37% | +384 bps | |
| Net Interest Margin | 2.36% | 2.32% | 2.22% | 2.36% | 2.40% | 2.42% | 2.70% | 2.79% | +43 bps | |
| Efficiency Ratio | 89.92% | 90.19% | 101.50% | 98.95% | 98.21% | 97.24% | 86.62% | 85.34% | -1,362 bps | |
| Non-Interest Burden | 2.08% | 2.05% | 2.28% | 2.35% | 2.37% | 2.36% | 2.30% | 2.33% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.23% | 4.06% | 1.45% | 1.51% | 0.97% | -1.11% | -1.06% | -1.23% | -273 bps | |
| Loan Growth (YoY) | 17.75% | 16.14% | 12.08% | 5.73% | 3.89% | 3.62% | 1.60% | -1.98% | -772 bps | |
| Deposit Growth (YoY) | -7.81% | -5.86% | 6.38% | 7.99% | 8.47% | 9.22% | -1.99% | -4.47% | -1,246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 0.52% | 0.55% | 1.05% | 2.72% | 2.97% | 2.97% | 0.80% | -25 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.01% | -0.01% | 0.01% | 0.02% | 0.02% | -0.02% | 0.63% | +62 bps | |
| Allowance / Loans | 1.49% | 1.48% | 1.48% | 1.44% | 1.40% | 1.40% | 1.43% | 1.22% | -22 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.8x | 2.7x | 1.4x | 0.5x | 0.5x | 0.5x | 1.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 10.47% | 10.17% | 10.51% | 10.58% | 10.54% | 10.45% | 11.04% | +52 bps | |
| Total Risk-Based Capital | 10.50% | 10.47% | 10.17% | 10.51% | 10.58% | 10.54% | 10.45% | 11.04% | +52 bps | |
| Equity / Assets | 6.26% | 5.74% | 5.69% | 5.87% | 6.21% | 6.69% | 6.58% | 7.10% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.90% | 64.94% | 55.40% | 59.00% | 62.16% | 61.61% | 57.43% | 60.53% | +154 bps | |
| Liquid Assets / Assets | 17.84% | 18.12% | 18.88% | 17.12% | 18.44% | 17.39% | 19.64% | 17.44% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 310% | 301% | n/a | n/a | |