Compared with Mississippi
2 of 4
compared fees are above the median.
2 below, 0 about the same.
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
96th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Mississippi median
of 4 compared; 2 below, 0 about the same
See the feesFee schedule read Oct 15, 2026
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) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Mississippi median | Published fees above the Mississippi 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
Service charges were 8.0% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (96th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
2 of 4 compared published fees sit above the Mississippi median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Mississippi medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $6, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
Minimum Balance
Compared at $4, the middle of its prices
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.
Service-charge income fell 6.1% from Q3 2025 to Q2 2026, to $185K. Its share of revenue, 8.0%, is above the 2.1% median for banks with under $300M in assets.
$185K
Unity Bank of MississippiMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $10; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Unity Bank of Mississippi (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Unity Bank of Mississippi left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Unity Bank of Mississippi by share.
Amounts from Unity Bank of Mississippi’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per month
per month
per month
per month
per month
per month
per month
per month
per month
per item
| 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 | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Net Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Now Account Maintenance fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| PERSONAL CHECKING: Monthly Cycle Service Charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| PREMIER CHECKING: Account Fees: A maintenance fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Regular Checking Monthly maintenance fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee (daily balance of the account falls below $25.00) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee (daily balance of the account falls below $10.00) | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee (daily balance of the account falls below $600.00) (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Excess Debit Fee | $8Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
ATM & Card | |||
| ATM are unlimited. maintenance fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | 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
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.
Where Unity Bank of Mississippi operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $248.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 7 | $248.2M |
Memphis, TN-MS-AR
0.5% of bank deposits, #31 of 48, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First Horizon Bank | 37.8% |
| Regions Bank | 10.1% |
| Pinnacle Bank | 5.9% |
| The Huntington National Bank | 5% |
| Bank of America, National Association | 3.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Memphis, TN-MS-AR, Unity Bank of Mississippi holds 0.5% of bank deposits, #31 of 48, with 7 offices.
442 offices of 90 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 48 institutions shown. $46.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.