BlastPoint's Banking Scorecard
Unity Bank of Mississippi
Micro
Specialty: Commercial
MS
FDIC cert 11446
Designations: ✓ Community bank
Holly Springs, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Unity Bank of Mississippi faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier
- - Net Interest Margin 1.19% below tier
- - Efficiency Ratio 29.51% above tier
- - Delinquency Rate 2.37% above tier
- - Nonperforming Asset Ratio 1.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$286.7M
-1.1% YoY
-2.0% QoQ
|
+$69.2M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$153.1M
+3.7% YoY
-0.6% QoQ
|
+$13.9M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$252.1M
+9.2% YoY
+0.3% QoQ
|
+$68.4M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
0.16%
-46.3% YoY
+9.6% QoQ
|
-0.93% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.66%
+3.0% YoY
+1.9% QoQ
|
-1.19% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
97.24%
+7.8% YoY
-1.0% QoQ
|
+29.51% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
3.01%
+467.7% YoY
+9.0% QoQ
|
+2.37% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
60.74%
-5.1% YoY
-0.9% QoQ
|
-13.79% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
22.46%
-4.1% YoY
+2.7% QoQ
|
+0.06% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
1.64%
+508.7% YoY
+10.3% QoQ
|
+1.19% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.52%
-21.3% YoY
+40.5% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.16%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.66%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.24%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.01%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.64%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.74% · Tier avg: 74.53%
72
72th pctile
Total Deposits
Current: $252.1M · Tier avg: $183.7M
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
69
69th pctile
Total Assets
Current: $286.7M · Tier avg: $217.5M
61
61th pctile
Total Loans
Current: $153.1M · Tier avg: $139.2M
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.46% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.64% · Tier avg: 0.45%
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
7
7th pctile
Delinquency Rate
Current: 3.01% · Tier avg: 0.64%
6
6th pctile
Efficiency Ratio
Current: 97.24% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 97.24% · Tier avg: 67.73%
7
7th pctile
Delinquency Rate
Current: 3.01% · Tier avg: 0.64%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.64% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.46% · Tier avg: 22.39%
61
61th pctile
Total Loans
Current: $153.1M · Tier avg: $139.2M
69
69th pctile
Total Assets
Current: $286.7M · Tier avg: $217.5M
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
72
72th pctile
Total Deposits
Current: $252.1M · Tier avg: $183.7M
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.74% · Tier avg: 74.53%