BlastPoint's Banking Scorecard
Unity Bank of Mississippi
Designations: ✓ CDFI-certified
Holly Springs, MS
8 branches across MS
Unity Bank of Mississippi 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
- - Flatlined Growth: Bottom 2.2% in tier
- - Capital Thin: Bottom 11.3% in tier
- - Efficiency Ratio 21.33% above tier average
- - Delinquency Rate 2.12% above tier average
- - ROA 0.88% below tier average
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$288.0M
-1.1% YoY
+0.4% QoQ
|
-$98.1M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$150.3M
+1.6% YoY
-1.8% QoQ
|
-$105.4M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$265.5M
-2.0% YoY
+5.3% QoQ
|
-$62.4M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
0.39%
+176.8% YoY
+147.8% QoQ
|
-0.88% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.4% in tier |
| Net Interest Margin ? |
3.04%
+22.1% YoY
+14.0% QoQ
|
-0.89% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio ? |
86.62%
-14.7% YoY
-10.9% QoQ
|
+21.33% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate ? |
3.01%
+438.1% YoY
-0.0% QoQ
|
+2.12% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.1% in tier |
| Loan-to-Deposit Ratio ? |
56.60%
+3.7% YoY
-6.8% QoQ
|
-20.04% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
22.70%
+12.2% YoY
+1.1% QoQ
|
+0.68% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.61%
+465.5% YoY
-2.3% QoQ
|
+0.97% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.3% in tier |
| Tier 1 Capital Ratio ? |
10.45%
+2.8% YoY
-0.8% QoQ
|
-5.38% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.12%
-2.8% YoY
-77.0% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.