MS lenders / Community Bank
Unity Bank of Mississippi
Community Bank · Holly Springs, MS · Unity Capital Corp
- Total assets
- $288.0M
- CRE loan book
- $92.7M
- QoQ CRE growth
- -1.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.54% as of Q1 2026 — TX bank median 4.87% (1.67pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.54% | 6.62% |
| Q4 2025 | 6.61% | 6.88% |
| Q3 2025 | 6.24% | 6.78% |
| Q2 2025 | 6.40% | 6.73% |
| Q1 2025 | 6.27% | 6.54% |
| Q4 2024 | 6.53% | 6.77% |
| Q3 2024 | 6.44% | 6.68% |
| Q2 2024 | 6.20% | 6.67% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $92.7M | $8.6M | $503,000 | 81% | $4.0M |
| Q4 2025 | $94.6M | $8.8M | $511,000 | 90% | $4.0M |
| Q3 2025 | $93.2M | $9.2M | $519,000 | 97% | $3.7M |
| Q2 2025 | $89.8M | $9.5M | $527,000 | 102% | $1.1M |
| Q1 2025 | $87.7M | $9.6M | $534,000 | 100% | $396,000 |
| Q4 2024 | $87.5M | $10.6M | $543,000 | 106% | $336,000 |
| Q3 2024 | $87.6M | $10.6M | $550,000 | 107% | $556,000 |
| Q2 2024 | $87.8M | $8.9M | $558,000 | 100% | $565,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of the ValleyCommunity Bank · Bellwood · $92.9M CRE book
- Bank MichiganCommunity Bank · Brooklyn · $93.2M CRE book
- First Farmers & Merchants BankCommunity Bank · Cannon Falls · $93.6M CRE book
- Grand Rapids State BankCommunity Bank · Grand Rapids · $91.8M CRE book
- The Gunnison Bank and Trust CompanyCommunity Bank · Gunnison · $91.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.