Bank of Holly Springs: how it compares with its peers
Against 29 MS banks with half to twice its assets, Bank of Holly Springs's strongest measure in Q2 2026 is net interest margin (4.14% vs. a 3.81% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $5.6M).
| Measure | Bank of Holly Springs | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.01% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.81% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.51% | 65.42% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $5.6M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.29% | 66.96% | Context |
What it means for lending operations
Its efficiency ratio of 62.51% is better than the 65.42% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Peoples Bank Ripley, MS · $582M
- Century Bank Lucedale, MS · $566M
- Farmers and Merchants Bank Baldwyn, MS · $566M
- First Bank Mccomb, MS · $563M
- First Choice Bank Pontotoc, MS · $561M
- United Mississippi Bank Natchez, MS · $561M
Questions about Bank of Holly Springs
How big is Bank of Holly Springs?
Bank of Holly Springs, established in 1869, is headquartered in Holly Springs, MS. It reported $588M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Bank of Holly Springs's return on assets?
1.30% annualized in Q2 2026, against a 1.01% median for 29 MS banks with half to twice its assets, ahead of 66% of them.
What is Bank of Holly Springs's efficiency ratio?
62.51% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 65.42%, and lower is better.
Is Bank of Holly Springs growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits grew 3.5%.
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.