Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 24 Mar 2021 |
| RSSD ID | 2590644 |
| Address | 970 Highway 7 S, Holly Springs, MS 38635 Directions to the main office (Google Maps) |
| Website | www.bankofhollysprings.com |
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 verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.bankofhollysprings.com or contact the lender directly.
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$2 million in 2 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,285,000 |
| 2022 | CDFI Program, Financial Assistance | $717,900 |
Emergency Capital Investment Program (ECIP)
Treasury invested $38.3 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
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 2026Subsidiary bank on file with the FDIC: Bank of Holly Springs (FDIC cert 8232, total assets $587.5 million). 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 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Bank of Holly Springs (RSSD 835743, FDIC cert 8232), the only active bank the FDIC lists under this holding company. 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 by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists Holly Springs Bancshares, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Bank of Holly Springs: 239 originated home loans
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. |
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 |
“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).
Other certified CDFIs in Holly Springs and Mississippi
- Bank of Holly SpringsBank or thrift · 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 Holly Springs Bancshares, Inc.? Link to this page
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