Unity Bank of Mississippi (FDIC certificate #11446) is based in Holly Springs, Mississippi. Its Q2 2026 call report shows $281.8M in total assets and $248.2M in deposits and 8 offices.
Based on its Q2 2026 filing, Unity Bank of Mississippi scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 51st. Its strongest component is funding & liquidity (76/100; 60% loans-to-deposits, 37% uninsured), and its lowest is earnings (37/100; 0.43%).
TellerScore · Q2 2026
Scorecard
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 rose 3 points (58 → 61), mostly because the problem-loan coverage component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 61 |
| Q4 2024 | 65 |
| Q1 2025 | 62 |
| Q2 2025 | 58 |
| Q3 2025 | 41 |
| Q4 2025 | 39 |
| Q1 2026 | 40 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.67% |
| Q3 2024 | 10.50% |
| Q4 2024 | 10.47% |
| Q1 2025 | 10.17% |
| Q2 2025 | 10.51% |
| Q3 2025 | 10.58% |
| Q4 2025 | 10.54% |
| Q1 2026 | 10.45% |
| Q2 2026 | 11.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.55% |
| Q2 2025 | 1.05% |
| Q3 2025 | 2.72% |
| Q4 2025 | 2.97% |
| Q1 2026 | 2.97% |
| Q2 2026 | 0.80% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $281.8M | 11.04% | 0.80% | 0.43% | 59.8% |
| Q1 2026 | 40 | $288.0M | 10.45% | 2.97% | 0.39% | 56.6% |
| Q4 2025 | 39 | $286.7M | 10.54% | 2.97% | 0.16% | 60.7% |
| Q3 2025 | 41 | $292.4M | 10.58% | 2.72% | 0.14% | 61.3% |
| Q2 2025 | 58 | $285.3M | 10.51% | 1.05% | 0.15% | 58.1% |
| Q1 2025 | 62 | $291.1M | 10.17% | 0.55% | 0.14% | 54.6% |
| Q4 2024 | 65 | $289.9M | 10.47% | 0.52% | 0.29% | 64.0% |
| Q3 2024 | 61 | $289.6M | 10.50% | 0.87% | 0.31% | 63.9% |
| Q2 2024 | 61 | $281.0M | 10.67% | 0.93% | 0.32% | 59.3% |
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).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FNB Picayune BankBank Picayune, MS | 86 out of 100, Very strong | $282.3M | 15.4% | 1.26% | vs |
| Grand Bank for Savings, FSBBank Hattiesburg, MS | 64 out of 100, Moderate | $280.4M | 11.0% | 0.78% | vs |
| The Commercial BankBank De Kalb, MS | 72 out of 100, Strong | $295.5M | 10.6% | 0.25% | vs |
| The Bank of ForestBank Forest, MS | 68 out of 100, Moderate | $296.3M | 10.9% | 1.30% | vs |
| Bank of BrookhavenBank Brookhaven, MS | 78 out of 100, Strong | $262.2M | 11.6% | 0.02% | vs |
| Bank of FranklinBank Meadville, MS | 70 out of 100, Strong | $302.3M | 9.9% | 0.27% | vs |
Deposit insurance
Is my money safe at Unity Bank of Mississippi?
Yes. Unity Bank of Mississippi is an FDIC-insured institution (FDIC certificate #11446). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.6% of deposits ($90.9M) 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 11.04%, 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%).
8 locations
Branches
Unity Bank of Mississippi lists 6 offices in 5 cities. Most locations:
- Holly Springs, MS (2)
- Ashland, MS (1)
- Byhalia, MS (1)
- Hickory Flat, MS (1)
- Mount Pleasant, MS (1)
Identity & history
Profile
- Legal name
- Unity Bank of Mississippi
- Former names
- Merchants & Farmers Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11446
- RSSD ID
- 837840
- Primary regulator
- FDIC
- Holding company
- Unity Capital Corp
- Established
- March 15, 1899
- Headquarters
- 650 Highway 7 S, Holly Springs, MS 38635
- Website
- unityms.bank
- Employees
- 59
Quick answers
Unity Bank of Mississippi: common questions
Is Unity Bank of Mississippi FDIC insured?
Yes. Unity Bank of Mississippi is an FDIC-insured institution (FDIC certificate #11446). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Unity Bank of Mississippi's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Unity Bank of Mississippi ever failed?
There is no failure record for FDIC certificate #11446 in the FDIC failed bank list.
How many branches does Unity Bank of Mississippi have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Holly Springs
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |
| BNA BankBank New Albany, MS | 77 out of 100, Strong | $855.7M | 12.5% | 0.72% | vs |
| Fedex Employees Credit Association Federal Credit UnionCredit union Memphis, TN | 77 out of 100, Strong | $641.1M | 14.2% | 1.04% | vs |
| First National Bank of Eastern ArkansasBank Forrest City, AR | 72 out of 100, Strong | $589.5M | 11.0% | 0.64% | vs |