BlastPoint's Banking Scorecard
Bank of Holly Springs
Designations: ✓ CDFI-certified
Holly Springs, MS
9 branches across MS
Bank of Holly Springs has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 4.86% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.20% above tier average
- - Nonperforming Asset Ratio 2.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$597.4M
+1.7% YoY
+8.1% QoQ
|
+$211.4M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$428.7M
+1.4% YoY
+0.1% QoQ
|
+$173.0M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$502.8M
+2.4% YoY
+9.4% QoQ
|
+$174.8M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
1.38%
+6.9% YoY
+239.8% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
4.18%
+2.9% YoY
-2.9% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
60.43%
+1.5% YoY
+4.1% QoQ
|
-4.86% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
4.09%
+144.0% YoY
-10.1% QoQ
|
+3.20% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.2% in tier |
| Loan-to-Deposit Ratio ? |
85.27%
-0.9% YoY
-8.5% QoQ
|
+8.63% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
22.43%
-8.1% YoY
-11.1% QoQ
|
+0.41% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
3.05%
+117.0% YoY
-18.0% QoQ
|
+2.41% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.9% in tier |
| Tier 1 Capital Ratio ? |
13.00%
-4.0% YoY
-1.4% QoQ
|
-2.83% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.06%
-29.4% YoY
-83.8% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
25% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.