# HOLMES COUNTY BANK
LEXINGTON, MS · FDIC certificate 321 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $151.9M | |
| Deposits | $139.7M | |
| Loans and leases | $57.0M | |
| Total equity | $11.8M | |
| Loans / deposits | 40.11% (p11 of band) | 72.79% |
| Liquid assets / assets | 54.91% (p84 of band) | |
| Uninsured deposits / deposits | 38.71% (p92 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.61% (p34 of band) | 11.81% |
| Unrealized securities loss / equity | -40.95% (p10 of band) | -7.16% |
| AOCI / equity | 17.83% (p95 of band) | |
| ROA (annualized) | -3.77% (p1 of band) | 1.07% |
| Net interest margin | 3.44% (p32 of band) | 3.81% |
| Efficiency ratio | 203.59% (p99 of band) | |
| Noncurrent loans | 0.87% (p70 of band) | 0.35% |
| Net charge-offs (annualized) | 0.06% (p81 of band) | |
| Reserve coverage of noncurrent | 194.56% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 148.44% (p98 of band) | |
| Auto loans | $1.2M (2.07% of loans; DQ 1.69%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.1% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, construction >100% equity |  |
| 2011-06 | 0 |  | losing money, construction >100% equity |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 6 | losing money, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | reserve under noncurrent, assets shrinking |
| 2012-09 | 3 |  | losing money |
| 2012-12 | 3 | losing money | deposits shrinking |
| 2013-03 | 2 | capital falling, reserve under noncurrent | charge-offs p90, uninsured deposits leaving, losing money |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2015-06 | 3 |  | capital falling, losing money |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | expense ratio p90 |
| 2016-03 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2016-06 | 4 | deposits shrinking | losing money, charge-offs p90 |
| 2016-09 | 3 |  | deposits shrinking |
| 2016-12 | 2 |  | expense ratio p90 |
| 2017-03 | 4 | expense ratio p90, charge-offs p90 |  |
| 2017-06 | 4 | capital falling | expense ratio p90 |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | capital falling | charge-offs p90 |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | capital falling | noncurrent p90 |
| 2020-06 | 3 | noncurrent p90 |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | expense ratio p90 |  |
| 2021-06 | 2 |  | expense ratio p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | construction >100% equity |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent |
| 2022-06 | 5 | reserve under noncurrent | capital falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2023-03 | 5 | losing money, expense ratio p90, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 4 |  | losing money |
| 2023-09 | 2 |  | expense ratio p90, NIM <2.5% |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | deposits shrinking, assets shrinking |  |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 2 |  | deposits shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 5 | losing money, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-08 [Bank of Commerce, Holmes Co. Bank complete merger - The Greenwood Commonwealth](https://news.google.com/rss/articles/CBMigAFBVV95cUxOX3pPdUtxdnNDWFhValRHeXN3c1JkM1E5cG9MVG5YdGxTOXRFYW1fdWw3amZ0cy1BbGxoWFFsSi1ZUGNkOXlEM21TSWZITWkyV21PeVUxTFVjVUJ0RnZiMl9SMGdFaXJTWEVfZERUSmJlQ24tblRVYzF3QnZQZjJ1cQ?oc=5) · The Greenwood Commonwealth
- 2025-05-28 [Bank of Commerce Signs Merger With Holmes Co. Bank - Delta Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTUVWNktreEltZ0RIM3RPYXVHVXQwa2ZySWh2MzZkeEJ2aGVwUjJUb2VLVXdMeEZwTTMxRlJveDBBSDdGSEI2Z285b3JfYmUxNi1lMC1adTJ3a0t3TFN0cDVITllLb2RrT21UcWxLcDJfN2dEb3loX0pwNjlPR2Z0a2ZzQldoQS1qN2dR?oc=5) · Delta Business Journal
- 2023-10-09 [City of Lexington celebrates Mississippi’s 5-A champs – The HCCHS Jaguars - The Mississippi Link](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPUC1aMzkxY0VWckJGQmZvN0FMZVdKUDBiM2c4aWxYUUloRU5vNG1jT0xvcXBMVGRESDRjVExKV2hwVkpiTDVMRWNWbkF3OXlOMzJkWTZDLWNyVUxwMHljbV83YUlnWG90X2l2LUlHWlVsS0xNOVpPYjlxWGZQMVpMLUN3NGhndmNFUmFsYXFid0IzMlA4Y1p5MnNxOUd1SG5yLWRwTWN2a3dFSWs?oc=5) · The Mississippi Link
- 2026-02-11 [Banking Industry Outlook: U.S. Banking M&A Caps Off a Historic 2025 - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRzZvazJ1ZFF0YXowU21fOHdGa2Znd3dZdHAxZWRrWnlweWc5Q2VYQmVrLThoalZ5UTFCVUluWXk5YWJ0ZTJhQTlxSThQTUlzWHY0dmx6WmgtXzYxM2JKM2FxRjJFUVBYZ0RxX3pIbVF4cU4tYXR0UEpxV183VU5hN1pKcWlZMGR3?oc=5) · JD Supra
- 2023-04-13 [Congressman announces UMB earns almost $5 million in federal funds to help community post-pandemic - natchezdemocrat.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxObkVvcmtiSHFmY2dpdDBPTGFfSEFnMXNleTJ2eF9od0tzSC05V281WGRGMmNndEVrQl92eHhBUGRhQ2h5b1RNdWdFcVpZMXNKcmxsYTRZYmlRcU5FNlZsbFFSSktpQ3lRNXFEbmliRlRXYUQzalE3Zi1TQ0lMbUlJNTNhdlU3ZVlMSkx0d2FBQk1IS2h3OGUtV21KOUtmQ3ZzS21DWkhwQ2RwSmdCUVBydjQyOUM1OFFnRmVxY2JjU0VURXdUSVdSM0JLUFUwNEp3azFUdld3Y0w?oc=5) · natchezdemocrat.com
- 2021-10-16 [William Ramsey Obituary (2008) - Clinton, MS - Clarion Ledger - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbk4wNXRtRk1pYkwwN0Znb2dvc3V2OUE2cVhDSTRqSndxc0pKODRnSFR1ZFZrNEk4aExRTlZOZGVHWEVZbnE2QkZxOWozUERDRjFqZWFEd21qX25pU1Y0cU9tV3JsTk1nMENoRjM2MGZBeklPU3JkTDB2MUtKQ0d2ZnE1MndBbkhlR2xzTUJEOFBGUUpNVUE?oc=5) · legacy.com
- 2021-10-27 [Sadie Tullos Obituary (2008) - Jackson, MS - Clarion Ledger - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNLWFzMDQ4eXhydkFVS0xrMmR3LTM0TzZUZVlyY2s0LTJHMFpHdm52VE1CcWZKQUFiNEpMb0djNUIxVUk2S041bVJqb0c3WmlsM292Sy1DLU5rcld6SlM2N3REYnFiNUJOWTdURkFJNGhwWXFzRHgzR2t1VU84SlRWbl9lQmJqLW1WOG5EWnNtWWNqTFU?oc=5) · legacy.com
- 2014-08-03 [Henry Brock Obituary (2014) - Lexington, MS - Clarion Ledger - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQN01UcW9taFc5TTd2Z0FWa0JzQkpRd3FMWkhsMW5paE5MTEFwNW1mcDhERU9KX0htbmx4aUV2YTlqSDRncS1zQW9JdWc1QlItbFh6cGFOVG9RaWF1MFNrR3YtaUJBZks5NnZ6d19YWEFVM1VUS0FwRXV0MDJSMnpTQ0gyUzZreDg4QjRSenM2bHhzZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=321 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "321", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide