BlastPoint

BlastPoint's Banking Scorecard

Unity Bank of Mississippi

$100M-$1B Specialty: Commercial MS FDIC cert 11446

Designations: ✓ CDFI-certified

Holly Springs, MS

8 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits -4.5% year over year ($248.2M on the books).
  • Delinquency rate 0.81%.
  • Return on assets 0.43%.
  • Efficiency ratio 85.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

Unity Bank of Mississippi has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 1.7% in tier
  • - Capital Thin: Bottom 21.3% in tier
  • - Deposit Outflow: Bottom 47.3% in tier
  • - Efficiency Ratio 20.86% above tier average
  • - ROA 0.89% below tier average
  • - Net Interest Margin 0.94% below tier average
Get updates when Unity Bank of Mississippi releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $281.8M
-1.2% YoY -2.2% QoQ
-$104.8M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $148.4M
-1.8% YoY -1.3% QoQ
-$109.9M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $248.2M
-4.5% YoY -6.5% QoQ
-$78.6M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 0.43%
+197.2% YoY +10.1% QoQ
-0.89% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
Bottom 10.6% in tier
Net Interest Margin ? 3.04%
+17.7% YoY +0.1% QoQ
-0.94% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Bottom 11.1% in tier
Efficiency Ratio ? 85.34%
-13.8% YoY -1.5% QoQ
+20.86% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
Bottom 8.7% in tier
Delinquency Rate ? 0.81%
-23.6% YoY -72.9% QoQ
-0.10% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 59.79%
+2.8% YoY +5.6% QoQ
-18.16% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 22.38%
+6.2% YoY -1.4% QoQ
+0.35% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 1.63%
+188.4% YoY +1.4% QoQ
+0.96% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
Bottom 10.5% in tier
Tier 1 Capital Ratio ? 11.04%
+5.0% YoY +5.6% QoQ
-4.87% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.25%
+1.4% YoY +111.2% QoQ
-0.31% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Noninterest-Bearing 22.4%
+1.3pp YoY
-0.3pp QoQ
 +0.2pp 22.1% 23.1% 22.2% 56%
Brokered Deposits n/a n/a 7.9% 3.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 15.7%
+0.4pp YoY
+0.9pp QoQ
 +4.1pp 11.6% 12.4% 12.5% 78%
CRE 59.3%
-0.1pp YoY
-2.4pp QoQ
 +19.8pp 39.5% 42.3% 41.4% 84%
1-4 Family 18.2%
-0.4pp YoY
+0.1pp QoQ
 -14.5pp 32.6% 33.1% 31.3% 26%
Consumer 2.1%
-0.1pp YoY
0.0pp QoQ
 -2.0pp 4.1% 5.6% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 11.0%
+0.5pp YoY
+0.6pp QoQ
 -1.1pp 12.2% 11.9% 12.6% 51%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 59
-5 (-7.8%) YoY
0 QoQ
 +0 58 297 482 62%
Assets per Employee ($) $4.8M
+7.1% YoY
-2.2% QoQ
 -$2.7M $7.5M $6.2M $8.8M 11%
Branch Count 8
0 YoY
0 QoQ
 +3 4 22 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.8%
-0.3pp YoY
-2.2pp QoQ
 -0.1pp 0.9% 0.9% 1.0% 67%
Allowance Coverage 1.52x
+10.6% YoY
+213.6% QoQ
 -22.64x 24.15x 4.87x 20.23x 40%
Net Charge-off Rate (YTD) 0.6%
+0.6pp YoY
+0.6pp QoQ
 +0.5pp 0.1% 0.1% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 6.4%
+3.9pp YoY
+0.5pp QoQ
 -5.8pp 12.2% 11.7% 11.6% 18%
Cost of Funds (YTD) 2.1%
-0.5pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 76%
Net Income ($, YTD) $617,000
+193.8% YoY
— QoQ
 -$1.9M $2.6M $13.8M $40.4M 14%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#10 of 529 • Bottom 1.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.43%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Capital Thin

risk
#142 of 661 • Bottom 21.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.04%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Outflow

decline
#254 of 535 • Bottom 47.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

447
Loan-to-Deposit Ratio
liquidity
Value: 59.79%
Peer Median: 77.95%
#447 of 2643 Top 16.9% in $100M-$1B

Top Weaknesses (5 metrics)

2415
Efficiency Ratio
profitability
Value: 85.34%
Peer Median: 64.48%
#2415 of 2643 Bottom 8.7% in $100M-$1B
2366
Nonperforming Asset Ratio
credit_quality
Value: 1.63%
Peer Median: 0.67%
#2366 of 2643 Bottom 10.5% in $100M-$1B
2364
Return on Assets
profitability
Value: 0.43%
Peer Median: 1.32%
#2364 of 2643 Bottom 10.6% in $100M-$1B
2350
Net Interest Margin
profitability
Value: 3.04%
Peer Median: 3.99%
#2350 of 2643 Bottom 11.1% in $100M-$1B
2012
Tier 1 Capital Ratio
capital
Value: 11.04%
Peer Median: 15.91%
#2012 of 2643 Bottom 23.9% in $100M-$1B
Powered by BlastPoint © 2026