Holmes County Bank
Lexington, Mississippi · FDIC Cert #321
This is the FDIC profile for Holmes County Bank, an FDIC-insured bank (Certificate #321) with $144M in total assets and $127M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Lexington, Mississippi, the bank maintains a Tier 1 capital ratio of 26.46% (Well-Capitalized) and a nonperforming loan ratio of 0.98%. BankHealthData assigns a composite Health Grade of A (90/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Holmes County Bank (FDIC cert 321) is a community bank — $144M in total assets, $127M in deposits, serving the Lexington, Mississippi area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 26.46% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.98% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 47.0% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 0.90% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Holmes County Bank carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Holmes County Bank
- Total Assets
- $144M
- Total Deposits
- $127M
- Tier 1 Capital Ratio
- 26.46%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.98%
- Liquidity Ratio
- 47.00%
- Return on Assets
- 0.90%
- Headquarters
- Lexington, Mississippi
- FDIC Certificate
- #321
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Holmes County Bank files quarterly Call Reports with the FDIC under Certificate #321. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track Holmes County Bank
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, Holmes County Bank holds a Tier 1 capital ratio of 26.46%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Holmes County Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Holmes County Bank shows strong financial health indicators. With $144M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Holmes County Bank Compares
Holmes County Bank’s Health Score of 90 is 8 points above the Mississippi state average of 82 across 45 FDIC-insured banks. Its 26.46% Tier 1 capital ratio is 12.5 points above the US banking industry average near 14%. The 0.98% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.90% is below the national ROA benchmark of ~1.1%. Among 1344 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, Holmes County Bank is 10 points above the portfolio average of 80.
Frequently Asked Questions
Holmes County Bank has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 26.46%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Holmes County Bank's Tier 1 capital ratio of 26.46% and nonperforming loan ratio of 0.98% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Holmes County Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #321). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Holmes County Bank holds $144M in total assets and $127M in total deposits. It is headquartered in Lexington, Mississippi (FDIC Certificate #321).
Holmes County Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #321 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Holmes County Bank has a Tier 1 capital ratio of 26.46%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.98%, and the return on assets is 0.90%.
Yes. Holmes County Bank is FDIC-insured (Certificate #321). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Holmes County Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.