BlastPoint's Banking Scorecard

Bank of Holly Springs

$100M-$1B Specialty: Commercial MS FDIC cert 8232

Designations: ✓ CDFI-certified

Holly Springs, MS

9 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 +3.5% year over year ($490.8M on the books).
Delinquency rate 4.69%.
Return on assets 1.30%.
Efficiency ratio 62.51% vs a 64.48% peer average.
Loan-to-deposit ratio 86.29% 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) →

Bank of Holly Springs has 2 strengths but faces 3 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

+ Net Interest Margin 0.15% above tier average
+ Efficiency Ratio 1.97% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 55.0% in tier
- Delinquency Rate 3.77% above tier average
- Nonperforming Asset Ratio 2.76% above tier average

Get updates when Bank of Holly Springs releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$587.5M +2.7% YoY -1.7% QoQ	+$200.9M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$423.5M -0.9% YoY -1.2% QoQ	+$165.2M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$490.8M +3.5% YoY -2.4% QoQ	+$164.0M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.30% -8.3% YoY -5.4% QoQ	-0.02%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	4.14% -1.4% YoY -1.2% QoQ	+0.15%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	62.51% +7.9% YoY +3.4% QoQ	-1.97%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	50%
Delinquency Rate ?	4.69% +122.6% YoY +14.6% QoQ	+3.77%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	Bottom 2.8% in tier
Loan-to-Deposit Ratio ?	86.29% -4.2% YoY +1.2% QoQ	+8.34%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	23.39% -4.4% YoY +4.3% QoQ	+1.36%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	3.43% +103.7% YoY +12.4% QoQ	+2.76%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	Bottom 2.5% in tier
Tier 1 Capital Ratio ?	13.09% -3.9% YoY +0.7% QoQ	-2.82%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.20% +16.3% YoY +237.5% QoQ	-0.37%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	49%

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	23.4% -1.1pp YoY +1.0pp QoQ	+1.2pp	22.1%	23.1%	22.2%	60%
Brokered Deposits	4.1% +1.4pp YoY -0.4pp QoQ	-3.8pp	7.9%	3.8%	8.5%	45%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	12.3% -2.0pp YoY -0.4pp QoQ	+0.8pp	11.6%	12.4%	12.5%	65%
CRE	39.6% +0.6pp YoY +0.4pp QoQ	+0.1pp	39.5%	42.3%	41.4%	52%
1-4 Family	36.7% +2.5pp YoY +0.1pp QoQ	+4.1pp	32.6%	33.1%	31.3%	65%
Consumer	8.7% +0.2pp YoY -0.1pp QoQ	+4.6pp	4.1%	5.6%	5.0%	90%

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	13.1% -0.5pp YoY +0.1pp QoQ	+0.9pp	12.2%	11.9%	12.6%	76%
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	102 +5 (+5.2%) YoY +1 (+1.0%) QoQ	+43	58	297	482	88%
Assets per Employee ($)	$5.8M -2.3% YoY -2.6% QoQ	-$1.8M	$7.5M	$6.2M	$8.8M	28%
Branch Count	9 0 YoY 0 QoQ	+4	4	22	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.3%	0.4%	26%
Nonaccrual	4.7% +2.8pp YoY +0.7pp QoQ	+3.7pp	0.9%	0.9%	1.0%	97%
Allowance Coverage	0.35x -26.2% YoY -14.5% QoQ	-23.80x	24.15x	4.87x	20.23x	5%
Net Charge-off Rate (YTD)	2.1% +1.8pp YoY -1.5pp QoQ	+2.0pp	0.1%	0.1%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	9.5% -0.7pp YoY -0.6pp QoQ	-2.7pp	12.2%	11.7%	11.6%	34%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	84%
Net Income ($, YTD)	$3.8M -7.9% YoY — QoQ	+$1.2M	$2.6M	$13.8M	$40.4M	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Margin Compression

decline

#170 of 307 • Bottom 55.0% in tier

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: 1.30%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

492

Total Loans

size

Value: $423.50M

Peer Median: $258.35M

#492 of 2643 Top 18.6% in $100M-$1B

541

Total Assets

size

Value: $587.51M

Peer Median: $386.57M

#541 of 2643 Top 20.4% in $100M-$1B

559

Total Deposits

size

Value: $490.76M

Peer Median: $326.73M

#559 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (2 metrics)

2577

Nonperforming Asset Ratio

credit_quality

Value: 3.43%

Peer Median: 0.67%

#2577 of 2643 Bottom 2.5% in $100M-$1B

2559

Delinquency Rate

credit_quality

Value: 4.69%

Peer Median: 0.92%

#2559 of 2633 Bottom 2.8% in $100M-$1B