Unity Bank of Mississippi: how it compares with its peers
Against 28 MS banks with half to twice its assets, Unity Bank of Mississippi's strongest measure in Q2 2026 is assets per employee ($4.8M vs. a $5.4M peer median). Its weakest relative measure is net interest margin (3.04% vs. 3.98%).
| Measure | Unity Bank of Mississippi | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.43% | 1.15% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.04% | 3.98% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.34% | 65.01% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $5.4M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.79% | 65.67% | Context |
What it means for lending operations
Its efficiency ratio of 85.34% is above the 65.01% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FNB Picayune Bank Picayune, MS · $282M
- Grand Bank for Savings, FSB Hattiesburg, MS · $280M
- The Commercial Bank De Kalb, MS · $295M
- The Bank of Forest Forest, MS · $296M
- Bank of Brookhaven Brookhaven, MS · $262M
- Bank of Franklin Meadville, MS · $302M
Questions about Unity Bank of Mississippi
How big is Unity Bank of Mississippi?
Unity Bank of Mississippi, established in 1899, is headquartered in Holly Springs, MS. It reported $282M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Unity Bank of Mississippi's return on assets?
0.43% annualized in Q2 2026, against a 1.15% median for 28 MS banks with half to twice its assets, ahead of 11% of them.
What is Unity Bank of Mississippi's efficiency ratio?
85.34% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 65.01%, and lower is better.
Is Unity Bank of Mississippi growing its loans?
Net loans shrank 1.8% over the year to Q2 2026, while deposits shrank 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.