🏦Bank Scorer

This institution is no longer active

Operations ceased on October 6, 2025. CRA examination history below reflects the period it was active.

HOLMES COUNTY BANK

LEXINGTON, MS · Supervised by FDIC

Est. 1932FDIC #321RSSD: FDIC-321
Part ofHOLMES COUNTY CAPITAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.77%

Institution Profile

FDIC BankFind

Address

316 Court Sq, LEXINGTON, MS

County

Holmes County

Established

January 1, 1932

Total Assets

$152M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$152M

Total Deposits

$140M

Net Loans

$56M

Net Income

$-4,300K

ROA

-3.77%

ROE

-40.23%

Risk-Based Capital

22.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.07%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$138M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245874.14%12.07%
20237379.45%15.07%
20196382.54%9.52%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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