# BANK OF HOLLY SPRINGS
HOLLY SPRINGS, MS · FDIC certificate 8232 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $587.5M | |
| Deposits | $490.8M | |
| Loans and leases | $430.5M | |
| Total equity | $80.7M | |
| Loans / deposits | 86.29% (p62 of band) | 82.04% |
| Liquid assets / assets | 22.18% (p40 of band) | |
| Uninsured deposits / deposits | 31.99% (p72 of band) | 25.97% |
| Brokered deposits | 3.42% | |
| Wholesale funding | 5.12% (p58 of band) | |
| FHLB advances / assets | 1.70% | |
| Tier 1 leverage | 13.09% (p80 of band) | 10.81% |
| Unrealized securities loss / equity | -0.39% (p92 of band) | -8.10% |
| AOCI / equity | -0.51% (p41 of band) | |
| ROA (annualized) | 1.30% (p52 of band) | 1.28% |
| Net interest margin | 4.14% (p63 of band) | 3.91% |
| Efficiency ratio | 62.51% (p54 of band) | |
| Noncurrent loans | 4.61% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 1.60% (p99 of band) | |
| Reserve coverage of noncurrent | 35.17% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 72.55% (p73 of band) | |
| Auto loans | $20.8M (4.83% of loans; DQ 7.49%, NCO 0.10%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 102 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | deposits shrinking |  |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | noncurrent p90 |  |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | noncurrent p90 |  |
| 2015-09 | 1 |  | noncurrent p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | capital falling, charge-offs p90 |  |
| 2019-06 | 4 | noncurrent p90 |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | charge-offs p90, noncurrent p90 |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | construction >100% equity |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | capital falling, noncurrent p90 |  |
| 2022-06 | 1 |  | construction >100% equity, capital falling, noncurrent p90 |
| 2022-09 | 4 | loans exceed deposits, noncurrent p90, construction >100% equity |  |
| 2022-12 | 5 | capital falling |  |
| 2023-03 | 5 | charge-offs p90 | construction >100% equity |
| 2023-06 | 4 |  | charge-offs p90 |
| 2023-09 | 4 | charge-offs p90 | capital falling |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | capital falling | loans exceed deposits |
| 2024-06 | 3 |  | noncurrent p90 |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2025-09 | 2 |  | charge-offs p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | capital falling, charge-offs p90 |  |
| 2026-06 | 3 |  | capital falling |

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

- 2024-09-26 [These 10 banks are the oldest in Mississippi. See where and how old - The Clarion-Ledger](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRnFiRjl6dlFjVG1lZVFfM29TMVpKaU9KV0xwY21Cb0RDZUJJVmNNR1AzVXgwLUgtZ3NkU3QwUlI2R0o0RFhQejUxUnRGUl9kOWlXZzZlN3VrbTN2WHk2X3I1V3FxdEFzcl9sYUxyRm4tb2lvUUcxck5lM0pzQzhvT1FGUEY4WERGWDNyVnpoUHBRbVpzTDB3MXlqOXpfVVhN?oc=5) · The Clarion-Ledger
- 2020-12-16 [High court sends dispute over $600K check to arbitration - djournal.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOWm9uNXltRTVFbEZ4UF9CWXZqWjVfMVZPUGhIbXh5c2RtSnVjZF9DQlVESkdwOWotUWZsSWZmcFpFMVVJWlo2dnBaaGh1SWdrcnBfRXItUWtpNDYyX1BrT3hkMFlYeDV0dEppS2UtSWlnbUZjNEJ2dGdrTVNJS2lXQWlTLTA4U282YWJEdGoyUERyaGo1ZnRkN0hoXzg2Q2dwajM2Z2M5UXJKdzZwd2VTZk9BLXhJYkZiVU1Ic2xiUVV3a05ocDhmclEtSTlUQzRO?oc=5) · djournal.com
- 2023-12-29 [Jim Collins Obituary November 26, 2018 - Pegues Funeral Directors](https://news.google.com/rss/articles/CBMidEFVX3lxTE53ZmVENE9SR2Q2VER4bVpZZHlRa2NVdDN4TmllZEdWU2VCeGhFRVlSeVZZVTVKT1hGZUpxVFliQ1BieWZVMHZZQ0NIclhzSHVlVl9fN2w2cEFRYXR1YnRXYXBmd3U3VThUbXUySWZVNTdPYk1Q?oc=5) · Pegues Funeral Directors
- 2024-08-02 [Graceland Too: Woman 'cursed' by Elvis fan's mansion resurrecting Holly Springs home - The Commercial Appeal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPaUVYQVNicllzMFZ0d3lrVG51YW96d0hvbWM1NGp3eW9EdGlYODZqUkk1NEJJcGthRG1EOUZCcUR4SEtGc3FlTGNScm1xbzR3OGdLc3VuWFZiVVZsUGVfZmdISmNTek5tTzRQNFpaNWdPaFVzbFZqczBDWFp6bHB2b1FIMmNsMEI5UllibkRwWXN4M2Zab0YzOF9BSW03SHdQLVllVVMxb2oyUzg?oc=5) · The Commercial Appeal
- 2010-11-19 [Bank robbery suspects arrested in Memphis - WLBT](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcEpWdXFqd0RQVS1TRGFsMzVEVTJ4Z2tsNVBNTDk3cUJxWWZSQk1fUW52QUdocHJROXFWbWVZTnc1c2d0LTlBa2VMdk8xc2g3d2RraWpKOW9aS0JfblVXeW5mT0VDdDVHSWxzaWhURzZXRE42aHNidnpUY3QwWlVaUElNZUdrY2ZyMTNN0gGeAUFVX3lxTFBPZnlBM3g2VXhybGZaSHV5azJfbmNGYk5QUFZqSlEtUWVDRi1yTmZqT1JRZ1NBeTZac1JBVDdTZURMbzRnNXBITFpGenJCbTFzenBjWmZzNUFfRm9STERHdVZ6RFUtQ2tfaVhKenp0SlNVcUQtaTBLNlFKazlZY2JBa3hnVmFmMU5BeVpwQTJuODN2MHZPWWZCd0pKb0N3?oc=5) · WLBT
- 2021-01-13 [Joan McAlexander Obituary (1930 - 2021) - Holly Springs,, MS - The Commercial Appeal - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxNQ0g3aGc1LUVXbmhLSHcweHItbUtUaWNSVlIzcV9hOUI2NzJKN2VMX0pTWXpBYUdQVVRfSjhzUERQVHI0eGpGQmQzamlOdGt6TFJDMGt3U05Obk5fZFFBM2padGZhVHZnMUJvUFB1Rm9WQmtDZjMxQUlNYk5NR01kNEZwSTRaREtRUlpfY0dZNlFmN3dhVms5SFhKaw?oc=5) · Legacy obituary
- 2017-03-28 [Oxford on the Move: Gant Boone is investing in the community more ways than one - The Oxford Eagle](https://news.google.com/rss/articles/CBMitAFBVV95cUxQbjdpS0ZGa3E3VEpfQmowRk5ZWHZrbUMtRjhjVnNRUENZRUo0dmJZZk1QLWVxYWlXeS1ma1k4ZXNJaWxpV3FmcHBoSDQzaEJOVjc4WjBPT1lYeVNXcGo1ZFdRQWhSbng5NWYwWXRLcl93V011TWxhc3lPS3JyV0xFcm9FUG1uZ1Vjb3lBeHV3aFlNb2lZMFVtQUpEa0JrSGN3cmJKeG5MblFjMmlEdFFxWVpiWFo?oc=5) · The Oxford Eagle
- 2013-11-26 [Annie Stone Obituary (1920 - 2013) - Potts Camp, MS - The Daily Journal - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNVlVDUmlCTmt2MUFnSFZWZHEyZTVFamVDVW9pUkNZTmFuWU5nSVd6emZrYzNxSHdrVTZQRTRNSktMZzF6eExNMl9wVldTdEhOd0lxT29LV3c3U3JxenM1VXh0UmRzWDhMcmZhMkFvTm44NVo3ZmN4ZVRwMUptUnNPNm5nR3plWWhtYlF3?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8232 (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/40.json (key "8232", 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