Total Assets
$553M
Total balance-sheet footings
FDIC Cert #8232 · Holly Springs, Mississippi · Est. 1869
Bank of Holly Springs - FDIC Bank Health Profile
A community-scale look at Bank of Holly Springs's own numbers, pulled straight from its quarterly FDIC Call Report.
- $553M
- Total assets
- C
- Health grade · Fair
- 0.40%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Holly Springs earns a PlainBankData health grade of C (64/100), with well-capitalized at 13.18% Tier 1, 0.40% ROA, efficient (58% cost ratio).
- #1,674
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 13.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Holly Springs's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Holly Springs's composite health score
Tier 1 Capital Ratio (13.18%) 35/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (22.12%) 10/20
Efficiency Ratio (58.07%) 12/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$460M
Customer-funded liabilities
Net Loans
$429M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Holly Springs ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Holly Springs's score of 64/100 falls in the highlighted band.
Bank of Holly Springs's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Holly Springs's $553M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.18%
Texas Ratio
22.12%
Equity Capital
$77M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
2.88%
Efficiency Ratio
58.07%
What the numbers say about Bank of Holly Springs
Bank of Holly Springs is an FDIC-insured institution (Certificate #8232) headquartered in Holly Springs, Mississippi, established in 1869. It holds $553M in total assets - 1,674th of 4,313 FDIC-insured banks, $460M in customer deposits, and $429M in net loans. Looking at capital strength, Tier 1 stands at 13.18%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 22.12%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (64/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Mississippi, Bank of Holly Springs ranks 22nd of 57 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$35M
Interest Income
$2M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Holly Springs reports a Texas Ratio of 22.12% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
22.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Holly Springs (FDIC Cert #8232) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is Bank of Holly Springs's health grade?▼
Bank of Holly Springs receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Holly Springs?▼
Bank of Holly Springs holds $553M in total assets and $460M in deposits, ranking 1,674th of 4,313 FDIC-insured banks by asset size. It is headquartered in Holly Springs, Mississippi.
Is my money safe at Bank of Holly Springs?▼
Yes, deposits at Bank of Holly Springs (Certificate #8232) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Holly Springs's Tier 1 Capital Ratio?▼
Bank of Holly Springs has a Tier 1 Capital Ratio of 13.18%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Holly Springs?▼
Bank of Holly Springs has a Texas Ratio of 22.12%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Holly Springs?▼
Bank of Holly Springs has an Efficiency Ratio of 58.07%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Holly Springs's profile as a depositor or analyst.
- Bank of Holly Springs's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Holly Springs against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.