At a glance
From its website, read 2 Nov 2026Unity Bank of Mississippi is a bank or thrift based in Holly Springs, Mississippi. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.unityms.bank |
|---|---|
| Office (official list) | 650 Highway 7S, Holly Springs, MS 38635 |
What their website says about applying
It only takes a simple application on most loans to get a quick response to your borrowing needs.
sourceContact us or visit one of our local branches for more details on your next loan.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 22 Nov 2016 |
| RSSD ID | 837840 |
| Address | 650 Highway 7S, Holly Springs, MS 38635 Directions (Google Maps) |
| Website | www.unityms.bank |
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
Verified from lender site on 2 Nov 2026Read from 4 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages name product types but give no amounts, service area, or online application link. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Commercial Real Estate Business Expansion Equipment Business Lines of Credit Refinancing Farm Church | source |
| Auto / vehicle loans | — | Your choices range from: Auto Equipment Mortgage Real Estate Personal Home Improvement | source |
| Commercial real estate loans | — | Commercial Real Estate Business Expansion Equipment Business Lines of Credit Refinancing Farm Church | source |
| Equipment loans | — | Commercial Real Estate Business Expansion Equipment Business Lines of Credit Refinancing Farm Church | source |
| Home repair / improvement loans | — | Your choices range from: Auto Equipment Mortgage Real Estate Personal Home Improvement | source |
| Home mortgages | — | We offer checking and savings accounts; certificates of deposit; mortgage loans; personal loans; and small business loans. | source |
| Personal / consumer loans | — | We offer checking and savings accounts; certificates of deposit; mortgage loans; personal loans; and small business loans. | source |
| Small-business loans | — | We offer checking and savings accounts; certificates of deposit; mortgage loans; personal loans; and small business loans. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
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$4.1 million in 9 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $200,635 |
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 Unity Bank of Mississippi (FDIC cert 11446). 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 | $281.8 million (as of 30 Jun 2026) |
|---|---|
| Offices | 7 (as of 30 Oct 2026) |
Offices by state and county (7)
Mississippi (7 offices)
- Benton County (2): 15980 Boundary Dr, Ashland 38603; 6370 Highway 178, Hickory Flat 38633
- Lafayette County (1): 501 Heritage Dr, Oxford 38655
- Marshall County (4): 650 Highway 7 S, Holly Springs 38635 (main office); 523 Highway 309 S, Byhalia 38611; 146 W College Ave, Holly Springs 38635; 53 Taska Road, Mount Pleasant 38649
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 Unity Bank of Mississippi (RSSD 837840, FDIC cert 11446). 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 | $150.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 2.0% from $153.3 million on 30 Jun 2025 |
| Total assets | $281.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $27 million | 17.9% |
| Commercial real estate, construction and multifamily | $88.1 million | 58.6% |
| Commercial and industrial (business) loans | $23.3 million | 15.5% |
| Farmland and farm production loans | $8.4 million | 5.6% |
| Consumer loans (credit cards, auto, other) | $3.1 million | 2.1% |
| All other loans and leases | $363,000 | 0.2% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $1.2 million.
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 | 29 loans $1.1 million | 199 loans $15 million |
| $100,001 to $250,000 | 29 loans $4.1 million | 30 loans $2.7 million |
| $250,001 to $1 million | 54 loans $23.7 million | 17 loans $4.6 million |
| All small business loans | 112 loans $28.9 million | 246 loans $22.3 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 | 11 loans $420,000 | 90 loans $3.9 million |
| $100,001 to $250,000 | 3 loans $364,000 | 6 loans $876,000 |
| $250,001 to $500,000 | 8 loans $2.5 million | 1 loan $382,000 |
| All small farm loans | 22 loans $3.3 million | 97 loans $5.1 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.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $281.8 million | Larger than 18% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 53% | 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 | $153.3 million → $150.2 million (-2%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 61 → 64. |
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 18% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 61 → 64 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
- Holly Springs Bancshares, Inc.Bank holding company · Holly Springs, MSOfficial list only
- 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
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