Bank Of Holly Springs (FDIC #8232): Bank Stress & Real-Estate Credit Exposure

Bank Of Holly Springs (FDIC Cert #8232): bank stress 51/100, moderate, STABLE over 7 days; parent HOLLY SPRINGS BANCSHARES INC.

Bank Of Holly Springs (#8232) lends in 3 counties across 1 state; Bank Of Holly Springs (#8232) reaches 28 ZIP codes: Mississippi 3 counties, 28 ZIPs.

Bank Of Holly Springs (#8232) largest markets: Lafayette County, MS (13 branches, 13 ZIPs) (#8232), Benton County, MS (11 branches, 11 ZIPs) (#8232), Marshall County, MS (56 branches, 8 ZIPs) (#8232).

Bank Of Holly Springs (#8232) reports $587.5 million in total assets; Bank Of Holly Springs (#8232) equity $80.7 million (13.7% of Bank Of Holly Springs (#8232) assets); Bank Of Holly Springs (#8232) domestic deposits $490.8 million; Bank Of Holly Springs (#8232) net income $3.8 million; Bank Of Holly Springs (#8232) return on assets 1.30%; Bank Of Holly Springs (#8232) return on equity 9.54%; Bank Of Holly Springs (#8232) net interest income $11.1 million; Bank Of Holly Springs (#8232) call report June 30, 2026.

Bank Of Holly Springs (#8232) noncurrent real-estate loans: none reported; Bank Of Holly Springs (#8232) multifamily -14.95%; Bank Of Holly Springs (#8232) residential 0.01%; Bank Of Holly Springs (#8232) net charge-offs on real estate 3.31%; Bank Of Holly Springs (#8232) residential charge-offs 2.99%.

Bank Of Holly Springs (#8232) net interest margin 4.14% against an eight-quarter Bank Of Holly Springs (#8232) average of 4.21% (Bank Of Holly Springs (#8232) compression 0.07 points); Bank Of Holly Springs (#8232) non-residential real estate 299.4% of equity; Bank Of Holly Springs (#8232) rate-exposure score 40/100, Bank Of Holly Springs (#8232) fixed-rate trap 40/100; Bank Of Holly Springs (#8232) risk type credit driven; Bank Of Holly Springs (#8232) rate regime rates elevated, Bank Of Holly Springs (#8232) snapshot October 19, 2026.

Bank Of Holly Springs (#8232) stress score moved from 50.2 on June 22, 2026 to 51.4 on October 19, 2026; Bank Of Holly Springs (#8232) ranged 50.2 to 51.4 over 116 snapshots.

Bank Of Holly Springs (#8232) alerts: 3 counties; top Bank Of Holly Springs (#8232) alert scores: Abbeville County, MS 19 (low); Ashland County, MS 19 (low); Victoria County, MS 19 (low).