Unity Bank of Mississippi
Holly Springs, MS
IDRSSD: 837840
Total Assets
$286.72M
Latest filing
Total Deposits
$252.08M
Latest filing
Net Interest Margin
2.79%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
084201676HOLLY SPRINGS, MS
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Unity Bank of Mississippi
650 Highway 7 S
Holly Springs, MS 38635
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/15/1899FDIC Certificate 7309
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Unity Bank of Mississippi (Main) | 650 Highway 7 S | Holly Springs, MS |
| MOUNT PLEASANT BRANCH | 53 Taska Road | Mount Pleasant, MS |
| CRAFT STREET BRANCH | 615 Highway 7 South | Holly Springs, MS |
| ASHLAND BRANCH | 15980 Boundary Dr | Ashland, MS |
| HICKORY FLAT BRANCH | 6370 Highway 178 | Hickory Flat, MS |
| BYHALIA BRANCH | 523 Highway 309 S | Byhalia, MS |
| MERCHANTS AND FARMERS BANK LOAN PRODUCTION OFFICE | 501 Heritage Dr | Oxford, MS |
| DOWNTOWN BRANCH | 146 W College Ave | Holly Springs, MS |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/15/1899 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38635 |
| State and County Number | 28093 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Memphis, TN-MS-AR |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | unityms.bank |
| Data Updated | 01/30/2026 |
| CERT | 11446 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $286.72M |
| Total Deposits | $252.08M |
| Total Liabilities | $267.55M |
| Total Equity Capital | $19.17M |
| Net Income | $144.00k |
| Net Loans and Leases | $153.12M |
| Assets Per Employee ($Millions) | $4.78M |
| Bank Premises and Fixed Assets | $8.58M |
| Cash and Balances due from Depository Institutions | $7.65M |
| Deposits Held in Domestic Offices | $252.08M |
Key Performance Ratios
| Return on Assets (ROA) | 0.2% |
| Return on Equity (ROE) | 3.09% |
| Net Interest Margin | 2.79% |
| Efficiency Ratio | 94.54% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.687% |
| Earning Assets to total Assets | 91.09% |
Income and Expense
| Total Interest Income | $3.46M |
| Total Noninterest Income | $411.00k |
| Total Interest Expense | $1.62M |
| Total Noninterest Expense | $2.15M |
| Net Interest Income | $1.84M |
| Pre-tax Net Operating Income | $102.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $104.00k |
| Other borrowed funds | $12.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.47M |
| Total Liabilities and Capital | $286.72M |
Securities
| Securities | $105.14M |
| Available-for-sale debt securities | $58.18M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $46.96M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Unity Bank of Mississippi?
$286.72M as of the latest filing.
How much are Unity Bank of Mississippi's total deposits?
$252.08M in total deposits.
Where is Unity Bank of Mississippi located?
Holly Springs, MS.
What is the Net Interest Margin?
2.79%.
How many domestic offices does it operate?
8.
When was it established?
03/15/1899.
What is the Return on Assets (ROA)?
0.2%.
How much are total loans and leases?
$153.12M (latest filing).
What is the total interest income (latest filing)?
$3.46M.