FIRST STATE CAPITAL CORP is the bank holding company. UNITY BANK OF MISSISSIPPI is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

FIRST STATE CAPITAL CORP

Legal name: UNITY CAPITAL CORPORATION

1 active bank · 1 merged/absorbed · $288M combined assets

RSSD ID: 1100028 (FFIEC NIC)

Combined Assets

$288M

CRA Rating Summary

Satisfactory1charter

Across all 18 exams on record for this holding company's charters, 94% resulted in Outstanding or Satisfactory.

Primary bankUNITY BANK OF MISSISSIPPIHOLLY SPRINGS, MSSatisfactory$288MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$288M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$266M

Net Income

$282K

ROA (avg)

0.39%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

Origination Rate

67.57%

Denial Rate

13.51%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
UNITY BANK OF MISSISSIPPI	HOLLY SPRINGS, MS	FDIC	$288M	100.0%	Satisfactory	Jul 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.