Is Holmes County Bank Safe?
Holmes County Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (56/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 26.46% | 100/100 |
| Nonperforming Loan Ratio | 0.98% | 80/100 |
| Liquidity Ratio | 47.00% | 100/100 |
| Return on Assets | 0.90% | 56/100 |
| Total Assets | $0.1B | |
How does Holmes County Bank compare?
With a Bank Health Score of 90/100, Holmes County Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Mississippi, where 45 FDIC-insured banks are headquartered, Holmes County Bank ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 26.46% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.98% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Holmes County Bank's Bank Health Score fell by 5.0 points to 90/100. Tier 1 capital strengthened by 1.12 percentage points to 26.46%.
Holmes County Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (56/100).