Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Oct 2026 |
| RSSD ID | 835743 |
| Address | 970 Highway 7 S, Holly Springs, MS 38635 Directions to the main office (Google Maps) |
| Website | Not given on the official list (listed as “Not Available”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.3 million in 4 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $243,675 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $3,470,374 |
| 2021 | Bank Enterprise Award Program | $170,699 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Bank of Holly Springs (FDIC cert 8232). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $587.5 million (as of 30 Jun 2026) |
|---|---|
| Offices | 9 (as of 30 Oct 2026) |
Offices by state and county (9)
Mississippi (9 offices)
- Benton County (1): 56 S Main Street, Ashland 38603
- Lafayette County (1): 2 Business 7 N, Abbeville 38601
- Marshall County (7): 114 S Memphis St, Holly Springs 38635 (main office); 3441 Highway 309 N, Byhalia 38611; 8077 State Highway 178, Byhalia 38611; 970 Highway 7 S, Holly Springs 38635; 102 N Slayden Rd, Lamar 38642; 6640 Church Ave, Potts Camp 38659; Highway 78, Victoria 38679
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Bank of Holly Springs (RSSD 835743, FDIC cert 8232). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $430.5 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 0.2% from $431.5 million on 30 Jun 2025 |
| Total assets | $587.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $144.4 million | 33.5% |
| Home equity lines of credit | $11.2 million | 2.6% |
| Commercial real estate, construction and multifamily | $167.9 million | 39.0% |
| Commercial and industrial (business) loans | $52.3 million | 12.1% |
| Farmland and farm production loans | $17.7 million | 4.1% |
| Consumer loans (credit cards, auto, other) | $36.8 million | 8.5% |
| All other loans and leases | $300,000 | 0.1% |
Within consumer loans: auto loans $20.8 million, credit cards $646,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 96 loans $5.7 million | 1,228 loans $25.1 million |
| $100,001 to $250,000 | 98 loans $10.8 million | 90 loans $8.1 million |
| $250,001 to $1 million | 96 loans $35.5 million | 29 loans $8.2 million |
| All small business loans | 290 loans $52 million | 1,347 loans $41.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 39 loans $1.1 million | 259 loans $3 million |
| $100,001 to $250,000 | 39 loans $4.1 million | 6 loans $761,000 |
| $250,001 to $500,000 | 14 loans $2.8 million | none reported |
| All small farm loans | 92 loans $8 million | 265 loans $3.8 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Bank of Holly Springs reported 239 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $31.2M (median loan about $85,000). 106 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 106 | 44% |
| Refinance (incl. 16 cash-out) | 53 | 22% |
| Home improvement | 54 | 23% |
| Other purpose | 26 | 11% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 239 | 100% |
Included above: 43 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 21 counties with at least one; 86% of its 2025 loans were for properties in Mississippi:
- Marshall County, MS (112)
- Benton County, MS (31)
- Shelby County, TN (21)
- DeSoto County, MS (19)
- Lafayette County, MS (13)
- Union County, MS (11)
- Tippah County, MS (7)
- Fayette County, TN (5)
Filed under LEI 2549001R901BOUXDJQ68 as “Bank of Holly Springs”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $587.5 million | Larger than 67% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 73% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $431.5 million → $430.5 million (-0%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 27 → 27. |
| Home loans originated in 2025 (HMDA) | 239 | More than 71% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 67% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 27 → 27 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 71% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Holly Springs and Mississippi
- Holly Springs Bancshares, Inc.Bank holding company · Holly Springs, MSOfficial list only
- Unity Bank of MississippiBank or thrift · Holly Springs, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Unity Capital CorporationBank holding company · Holly Springs, MSOfficial list only
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
Work at Bank of Holly Springs? Link to this page
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