Unity Bank of Mississippi

Headquarters: Holly Springs, Mississippi
Charter: Bank
Assets: $281.8M
Fed district: St. Louis

4 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 15, 2026

How these figures are measured

Call-report figures are for Unity Bank of Mississippi at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Unity Bank of Mississippi's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Unity Bank of Mississippi (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $185K in Q2 2026, 2.1% below the same quarter a year earlier ($189K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $6, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
Unity Bank of Mississippi: $0 to $10
Unity Bank of Mississippi: $0 to $10
U.S. median: no median
Non-Network ATM
Unity Bank of Mississippi: $3
Unity Bank of Mississippi: $3
U.S. median: no median
Minimum Balance
Compared at $4, the middle of its prices
Unity Bank of Mississippi: $1 to $7
Unity Bank of Mississippi: $1 to $7
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.1% from Q3 2025 to Q2 2026, to $185K.

Service-charge income, Q2 2026

$185K

$197KQ3 2025

$198KQ4 2025

$178KQ1 2026

$185KQ2 2026

Against the median

Unity Bank of MississippiMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Unity Bank of Mississippi · $282M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$275M to $290M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Unity Bank of Mississippi(this institution)	Holly Springs, MS	$282M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of the Federated States of Micronesia	Kolonia, FM	$278M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of The Rockies	Helena, MT	$277M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Wolcott	Wolcott, IN	$280M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Savings	Caldwell, OH	$285M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Davis Trust Company	Elkins, WV	$275M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers & Merchants Bank	Eatonton, GA	$290M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers Bank	Greenwood, AR	$289M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings and Loan Association of Valdosta	Valdosta, GA	$278M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings Bank of Kentucky	Frankfort, KY	$283M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Steeleville	Steeleville, IL	$275M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Whitney Bank and Trust	Atlantic, IA	$288M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNB Picayune Bank	Picayune, MS	$282M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grand Bank for Savings, FSB	Hattiesburg, MS	$280M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Iowa State Savings Bank	Creston, IA	$277M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mission National Bank	San Francisco, CA	$276M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nantahala Bank & Trust Company	Franklin, NC	$289M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Old Glory Bank	Elmore City, OK	$277M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pioneer Bank	Sergeant Bluff, IA	$283M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Reliance State Bank	Story City, IA	$277M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sawyer Savings Bank	Saugerties, NY	$285M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Success Bank	Bloomfield, IA	$277M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers Bank	Nicholasville, KY	$283M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers State Bank of Waupaca	Waupaca, WI	$279M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Fort Jennings State Bank	Fort Jennings, OH	$286M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Victory Bank	Lubbock, TX	$285M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (20%) below the median of similar-sized banks.

Compared at $6, the middle of its eight prices, against a peer median of $7.50 among 17 publishing peers.

Its eight checking prices are $0, $1, $3, $6, $6, $7, $7 and $8.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Unity Bank of Mississippi: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Unity Bank of Mississippi (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $185K
vs prior quarter: +$7K+3.9%; from Q1 2026
vs a year earlier: −$4K−2.1%; from Q2 2025
vs start of range: −$33K−15.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Unity Bank of Mississippi (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$185K	+$7K	+3.9%
Q1 2026	$178K	−$20K	−10.1%
Q4 2025	$198K	+$1K	+0.5%
Q3 2025	$197K	+$8K	+4.2%
Q2 2025	$189K	−$3K	−1.6%
Q1 2025	$192K	−$15K	−7.2%
Q4 2024	$207K	−$11K	−5.0%
Q3 2024	$218K	+$16K	+7.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Unity Bank of Mississippi’s own schedules, with a source for each figure.

Account Maintenance

Account Fees: A maintenance fee$8
Not compared: Annual charge, not monthly
per year
Account Fees: A service charge fee$7
per month
Maintenance fee$3
Monthly Maintenance$10
per month
Monthly maintenance fee$1
per month
Net Service ChargeNo charge
Now Account Maintenance fee$8
per month
PERSONAL CHECKING: Monthly Cycle Service Charge$6
per month
PREMIER CHECKING: Account Fees: A maintenance fee$6
Regular Checking Monthly maintenance fee$7
per month
Maintenance fee (daily balance of the account falls below $25.00)$3
per month
Monthly maintenance fee (daily balance of the account falls below $10.00)$1
per month
Monthly maintenance fee (daily balance of the account falls below $600.00) (audience not stated, treated as personal)$7
per month
Excess Debit Fee$8
per item

ATM & Card

ATM are unlimited. maintenance fee$3

Fee	Amount	Basis	Note
Account Maintenance
Account Fees: A maintenance fee	$8Not compared: Annual charge, not monthly	per year	None
Account Fees: A service charge fee	$7	per month	None
Maintenance fee	$3	Not stated	None
Monthly Maintenance	$10	per month	None
Monthly maintenance fee	$1	per month	None
Net Service Charge	No charge	Not stated	None
Now Account Maintenance fee	$8	per month	None
PERSONAL CHECKING: Monthly Cycle Service Charge	$6	per month	None
PREMIER CHECKING: Account Fees: A maintenance fee	$6	Not stated	None
Regular Checking Monthly maintenance fee	$7	per month	None
Maintenance fee (daily balance of the account falls below $25.00)	$3	per month	None
Monthly maintenance fee (daily balance of the account falls below $10.00)	$1	per month	None
Monthly maintenance fee (daily balance of the account falls below $600.00) (audience not stated, treated as personal)	$7	per month	None
Excess Debit Fee	$8	per item	None
ATM & Card
ATM are unlimited. maintenance fee	$3	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Unity Bank of Mississippi operates, and what regulators and customers have on file.

Market position

In Memphis, TN-MS-AR, Unity Bank of Mississippi holds 0.5% of bank deposits, #31 of 48, with 7 offices.

Compare fees with the 49 Memphis, TN-MS-AR banks and credit unions in its home-metro peer set →

Offices in the metro

442 offices of 90 institutions shown.

Unity Bank of MississippiOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Memphis, TN-MS-AR metro (FDIC metro code 32820), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 6 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1First Horizon Bank37.8%
2Regions Bank10.1%
3Pinnacle Bank5.9%
4The Huntington National Bank5.0%
5Bank of America, National Association3.9%
6Independent Bank3.5%
7Truist Bank3.3%
8Renasant Bank2.5%
31Unity Bank of Mississippi0.5%

9 of 48 institutions shown. $46.3B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Memphis, TN-MS-AR metro (FDIC metro code 32820)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.5% share, 7 offices, #31 of 48

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Memphis, TN-MS-AR metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

108 offices of 43 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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