FDIC Cert #11446 · Holly Springs, Mississippi · Est. 1899

Unity Bank of Mississippi - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$287M
Total assets
D
Health grade · Weak
0.16%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

Unity Bank of Mississippi earns a PlainBankData health grade of D (45/100), with well-capitalized at 10.54% Tier 1, 0.16% ROA, 97% efficiency ratio.

#2,559
largest of 4,313 FDIC banks by assets
41st
percentile by asset size, nationally
10.54%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 11446 · MS D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4194/4307
  • PHOTO-FINISH Laona State Bank · WI
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-HEALTHY 21.6% Texas
  • ROA-THIN 0.16% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Laona State Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Unity Bank of Mississippi

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Banner Banks · WI · near45/100Camp Grove State Bank · IL ·…45/100Citizens Progressive… · LA ·…45/100Laona State Bank · WI · near45/100Unity Bank of Missis… · MS ·…45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Unity Bank of Mississippi · July 2026

What Unity Bank of Mississippi's Call Report plate shows

Unity Bank of Mississippi (FDIC Cert #11446) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,194 of 4,307. Tier 1 capital prints at 10.54%, clearing the 10% well-capitalized line. The Texas Ratio is 21.59%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.16%. Balance-sheet scale is $287M, 2,559th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Laona State Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Unity Bank of Mississippi

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Unity Bank of Mississippi's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Unity Bank of Mississippi remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How Unity Bank of Mississippi's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
Unity Bank of Mississippi's composite health score
Tier 1 Capital Ratio (10.54%) 28/40
Return on Assets (ROA) (0.16%) 7/25
Texas Ratio (21.59%) 10/20
Efficiency Ratio (97.24%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$287M

Total balance-sheet footings

Total Deposits

$252M

Customer-funded liabilities

Net Loans

$153M

Outstanding loan book

Net Income

$458K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.14% 10.54% 11.94%
Basel III capital ratios - Unity Bank of Mississippi

Where Unity Bank of Mississippi ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Unity Bank of Mississippi's score of 45/100 falls in the highlighted band.

Unity Bank of Mississippi: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Unity Bank of Mississippi 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Unity Bank of Mississippi'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). Unity Bank of Mississippi's $287M falls in the highlighted band.

Safety ratios for Unity Bank of Mississippi

Tier 1 capital ratio
Well-capitalized 10%

10.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.54%
Texas Ratio
21.59%
Equity Capital
$19M

What these ratios mean →

Profitability metrics: Unity Bank of Mississippi

Return on Assets (ROA)
7th percentile nationally
0.16%
Return on Equity (ROE)
2.62%
Efficiency Ratio
97.24%

What these mean →

Income & expense at Unity Bank of Mississippi

$14M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Unity Bank of Mississippi reports a Texas Ratio of 21.59% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

21.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Unity Bank of Mississippi

Unity Bank of Mississippi's grade of D reflects specific pressure points in the FDIC Call Report.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Unity Bank of Mississippi up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Unity Bank of Mississippi on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($287M here), outside Mississippi so the neighborhood is not state containment.

Somerville Bank $287M · OH First Colony Bank of Florida $287M · FL VALOR BANK $287M · OK Citizens State Bank of Roseau $287M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Unity Bank of Mississippi (FDIC Cert #11446) - 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.

Unity Bank of Mississippi Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
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%