BlastPoint's Banking Scorecard
Bank of Holly Springs
Community
Specialty: Commercial
MS
FDIC cert 8232
Holly Springs, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
Bank of Holly Springs faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1% in Community
- - Capital Thin: Bottom 5% in Community
- - Liquidity Strain: Bottom 9% in Community
- - Deposit Outflow: Bottom 20% in Community
- - Delinquency Rate 3.89% above tier
- - Nonperforming Asset Ratio 3.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$555.6M
-2.7% YoY
-1.0% QoQ
|
-$835.9M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$431.5M
+0.1% YoY
-0.4% QoQ
|
-$544.0M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$459.6M
-3.7% YoY
-0.5% QoQ
|
-$705.0M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.93%
-37.2% YoY
-29.0% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
4.31%
+0.6% YoY
+1.1% QoQ
|
+0.64% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
58.07%
+2.8% YoY
-0.7% QoQ
|
-4.56% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
4.52%
+169.4% YoY
+122.3% QoQ
|
+3.89% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
93.88%
+4.0% YoY
+0.1% QoQ
|
+10.82% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
25.22%
-3.1% YoY
-4.8% QoQ
|
+4.18% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
3.70%
+149.3% YoY
+115.2% QoQ
|
+3.20% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.36%
-9.2% YoY
+31.8% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Margin Compression
decline
#1 of 120 · Bottom 1% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.93%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#21 of 432 · Bottom 5% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#45 of 513 · Bottom 9% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.88%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#51 of 248 · Bottom 20% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.52%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.70%
(Tier avg: 0.50%, 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
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.88% · Tier avg: 83.06%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.22% · Tier avg: 21.05%
64
64th pctile
Efficiency Ratio
Current: 58.07% · Tier avg: 62.63%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
32
32th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Total Loans
Current: $431.5M · Tier avg: $975.5M
8
8th pctile
Total Assets
Current: $555.6M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $459.6M · Tier avg: $1.2B
0
0th pctile
Delinquency Rate
Current: 4.52% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.70% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.70% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.52% · Tier avg: 0.63%
7
7th pctile
Total Deposits
Current: $459.6M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $555.6M · Tier avg: $1.4B
19
19th pctile
Total Loans
Current: $431.5M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
64
64th pctile
Efficiency Ratio
Current: 58.07% · Tier avg: 62.63%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.22% · Tier avg: 21.05%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.88% · Tier avg: 83.06%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%