Total Assets
$287M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$252M
Customer-funded liabilities
Net Loans
$153M
Outstanding loan book
Net Income
$458K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.16%
Return on Equity (ROE)
2.62%
Efficiency Ratio
97.24%
What the numbers say about Unity Bank of Mississippi
Unity Bank of Mississippi is an FDIC-insured institution (Certificate #11446) headquartered in Holly Springs, Mississippi, established in 1899. It holds $287M in total assets - 2,559th of 4,313 FDIC-insured banks, $252M in customer deposits, and $153M in net loans. Its capital position: a Tier 1 ratio of 10.54%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 21.59% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (45 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Unity Bank of Mississippi sits 40th of 57 banks headquartered in Mississippi by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Mississippi by total assets
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.
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 Unity Bank of Mississippi's health grade?▼
Unity Bank of Mississippi receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Unity Bank of Mississippi?▼
Unity Bank of Mississippi holds $287M in total assets and $252M in deposits, ranking 2,559th of 4,313 FDIC-insured banks by asset size. It is headquartered in Holly Springs, Mississippi.
Is my money safe at Unity Bank of Mississippi?▼
Yes, deposits at Unity Bank of Mississippi (Certificate #11446) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Unity Bank of Mississippi's Tier 1 Capital Ratio?▼
Unity Bank of Mississippi has a Tier 1 Capital Ratio of 10.54%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Unity Bank of Mississippi?▼
Unity Bank of Mississippi has a Texas Ratio of 21.59%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Unity Bank of Mississippi?▼
Unity Bank of Mississippi has an Efficiency Ratio of 97.24%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Unity Bank of Mississippi's profile as a depositor or analyst.
- Unity Bank of Mississippi's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Unity Bank of Mississippi 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.