UNITY BANK OF MISSISSIPPI
HOLLY SPRINGS, MISSISSIPPI · FDIC Cert #11446
Capital & Safety Analysis
According to FDIC financial data, UNITY BANK OF MISSISSIPPI holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject UNITY BANK OF MISSISSIPPI to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
UNITY BANK OF MISSISSIPPI shows average financial health. While not alarming, its Health Score of 53/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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.
Frequently Asked Questions
UNITY BANK OF MISSISSIPPI has a Bank Health Score of C (53/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
UNITY BANK OF MISSISSIPPI holds $281M in total assets and $241M in total deposits. It is located in HOLLY SPRINGS, MISSISSIPPI (FDIC Certificate #11446).
UNITY BANK OF MISSISSIPPI has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.93%, and the return on assets is 0.30%.
Yes. UNITY BANK OF MISSISSIPPI is FDIC-insured (Certificate #11446). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.