TellerScore

Bank of Holly Springs is a state-chartered bank headquartered in Holly Springs, Mississippi, in business for about 157 years. At the end of Q2 2026 it reported $587.5M in total assets and $490.8M in deposits, with 9 offices.

Bank of Holly Springs has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 56th. Capital cushion contributes the most (81/100, 13.09%); loan quality contributes the least (0/100, 4.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Tier 1 leverage ratio: 13.09%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.61%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 86.3% · 32.0% uninsured
Problem-loan coverage54/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 22.97%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (64 → 52), mostly because the loan quality component weakened by 30 points.

TellerScore
455768Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202468
Q1 202568
Q2 202564
Q3 202565
Q4 202545
Q1 202653
Q2 202652
Tier 1 leverage ratio
5.00%9.50%14.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.00%
Q3 202413.27%
Q4 202413.41%
Q1 202513.54%
Q2 202513.62%
Q3 202514.01%
Q4 202513.18%
Q1 202613.00%
Q2 202613.09%
Noncurrent loans
1.35%2.98%4.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.35%
Q3 20241.64%
Q4 20241.66%
Q1 20251.66%
Q2 20252.09%
Q3 20252.01%
Q4 20254.44%
Q1 20264.02%
Q2 20264.61%
Return on assets
0.40%0.95%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.45%
Q4 20241.49%
Q1 20251.29%
Q2 20251.42%
Q3 20251.31%
Q4 20250.40%
Q1 20261.38%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$587.5M13.09%4.61%1.30%86.3%
Q1 202653$597.4M13.00%4.02%1.38%85.3%
Q4 202545$552.6M13.18%4.44%0.40%93.2%
Q3 202565$561.1M14.01%2.01%1.31%93.7%
Q2 202564$572.1M13.62%2.09%1.42%90.1%
Q1 202568$587.4M13.54%1.66%1.29%86.1%
Q4 202468$570.8M13.41%1.66%1.49%90.3%
Q3 202468$565.3M13.27%1.64%1.45%91.8%
Q2 202467$551.6M13.00%1.35%1.20%94.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.09%
76th
Total risk-based capital0.00%
24th
Problem loans4.61%
3rd
Net charge-offs2.13%
1st
Return on assets1.30%
53rd
Net interest margin4.14%
61st
Efficiency ratio62.5%
49th
Loans to deposits86.3%
35th
Uninsured deposits32.0%
23rd
Loan-loss reserves1.62%
84th
Texas ratio23.0%
4th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples BankBank Ripley, MS72 out of 100, Strong$581.8M10.2%0.34%vs
Century BankBank Lucedale, MS69 out of 100, Moderate$566.2M10.1%0.60%vs
Farmers and Merchants BankBank Baldwyn, MS77 out of 100, Strong$565.8M14.2%1.69%vs
First BankBank Mccomb, MS74 out of 100, Strong$562.9M13.0%1.11%vs
First Choice BankBank Pontotoc, MS61 out of 100, Moderate$561.0M9.5%0.31%vs
United Mississippi BankBank Natchez, MS75 out of 100, Strong$560.7M11.0%0.19%vs

Deposit insurance

Is my money safe at Bank of Holly Springs?

Yes. Bank of Holly Springs is an FDIC-insured institution (FDIC certificate #8232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.0% of deposits ($157.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Bank of Holly Springs lists 9 offices in 7 cities. Most locations:

  • Byhalia, MS (2)
  • Holly Springs, MS (2)
  • Abbeville, MS (1)
  • Ashland, MS (1)
  • Lamar, MS (1)
  • Potts Camp, MS (1)
  • Victoria, MS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Holly Springs reported 286 home-loan applications under HMDA (LEI 2549001R901BOUXDJQ68): 239 originated ($31,235,000 total), 20 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Holly Springs
Former names
The Bank of Holly Springs
Type
State-chartered bank
FDIC certificate #
8232
RSSD ID
835743
Primary regulator
FDIC
Holding company
Holly Springs Bancshares Inc
Established
February 1, 1869
Headquarters
114 S Memphis St, Holly Springs, MS 38635
Employees
102

Quick answers

Bank of Holly Springs: common questions

Is Bank of Holly Springs FDIC insured?

Yes. Bank of Holly Springs is an FDIC-insured institution (FDIC certificate #8232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Holly Springs's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Holly Springs ever failed?

There is no failure record for FDIC certificate #8232 in the FDIC failed bank list.

How many branches does Bank of Holly Springs have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Holly Springs

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
BNA BankBank New Albany, MS77 out of 100, Strong$855.7M12.5%0.72%vs
Fedex Employees Credit Association Federal Credit UnionCredit union Memphis, TN77 out of 100, Strong$641.1M14.2%1.04%vs
Orion Federal Credit UnionCredit union Memphis, TN72 out of 100, Strong$1.3B18.4%0.55%vs