Unity Bank of Mississippi
Major Rating Factors:
A current level of 13.1 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Fair asset quality (4.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 10.6. Weak liquidity 2.7, driven by a liquidity ratio of 12.6 percent and a “hot money” ratio of 19.1 percent.
Asset Mix:
Securities (34%), comm re (29%), home mtgs (10%), comm loans (8%), cash (4%), consumer loans (1%), other (14%)
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
No affiliate information available.