Unity Bank of Mississippi
Major Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 11.0. Weak liquidity 2.5, driven by a liquidity ratio of 5.7 percent and a “hot money” ratio of 19.9 percent.
Asset Mix:
Securities (35%), comm re (29%), home mtgs (10%), comm loans (8%), cash (2%), consumer loans (1%), other (15%)
States with Branches:
MS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Unity Capital Corporation
Investment Rating
--
Address
650 Highway Seven South
Holly Springs, MS 38635
Holly Springs, MS 38635
Phone Number
(662) 252-1341
Year Founded
1899
FDIC Number
Website
Largest Affiliates
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