United Mississippi Bank

What United Mississippi Bank does

United Mississippi Bank (UMB) is a privately held community bank chartered in Mississippi in 1973 (originally as First Natchez Bank) and headquartered at the Operations Center on Melrose-Montebello Parkway in Natchez, Mississippi. The bank operates a physical branch network across five Mississippi counties (Adams, Amite, Franklin, Jefferson, Wilkinson) and four Louisiana parishes (Concordia, St. Landry, Pointe Coupee, Claiborne), supplemented by ATMs at the Natchez Convention Center, Isle of Capri Casino in Lula, MS, and Alcorn State University in Lorman, MS. Its digital platform comprises an online banking portal, iOS and Android mobile apps (powered by Banno / Jack Henry infrastructure per the Android package name), 24/7 Call24 touchtone and voice-recognition phone banking, and support for Apple Pay, Google Pay, and Samsung Pay via tokenized debit cards. Security is layered with multi-factor authentication, watermarks, behavioral biometrics (cursor, touch, typing patterns), 180-day PIN expiration, automatic session timeout, CardLock mobile card management, and tiered fraud alerts via email, SMS, and voice.

The bank's product set spans consumer (Regular Checking, NetChek rewards checking at 0.25%-2.00% APY, United Club Checking, savings, CDs, IRAs, mortgages, personal loans, overdraft protection) and commercial (Commercial Checking, Business Savings, ACH Origination, Remote Deposit Capture at $75/month, Business Sweep Services, business loans and lines of credit, wire transfers). Revenue is generated primarily through net interest income on loans and deposits, supplemented by fee income from overdrafts ($35/item, max 6/day), wire transfers ($20 domestic, $50 international), safe deposit box rentals ($50-$500/year), commercial cash management subscriptions, and referral-based merchant services. The bank is led by CEO Adrian Sandel and Chairman Bruce M. Kuehnle Jr., and operates an Employee Stock Ownership Plan. Recent inorganic growth is evidenced by a $4.96M Community Development Financial Institutions Fund award (April 2023) and the January 24, 2025 acquisition of BankPlus branches in New Roads LA, Eunice LA, and Port Gibson MS, extending a four-decade acquisition cadence (Commercial Bank 2003, Merchants & Farmers Bank 2011, People's Bank of the South 2013).

Name

United Mississippi Bank

Legal name

United Mississippi Bank

Website

https://unitedms.bank

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

51–100 employees

Short description

United Mississippi Bank is a privately held community bank, chartered in 1973 and headquartered in Natchez, Mississippi, serving consumers and small businesses across southwestern Mississippi and Louisiana through a multi-branch network, FDIC-insured digital and mobile banking platform, and consumer and commercial loan products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Community banking services
• Retail deposit accounts
• Consumer lending products
• Commercial banking solutions
• Digital banking platforms

Headquarters

HQ city

Woodville

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Loans: Revenue generated from interest on personal and commercial loans including mortgages, personal loans, lines of credit, and commercial lending.
2. Deposit Account Fees: Various account-related fees including overdraft fees ($35), early account closing fees ($20), dormant account fees ($3/month), ATM fees for non-UMB withdrawals ($1), and card replacement fees ($10).
3. Wire Transfer Fees: Domestic outgoing wire transfers $20, international outgoing $50, with free incoming wires.
4. Business Service Fees: ACH origination setup ($50), per account application ($25), Remote Deposit Capture ($75/month), Online Bill Pay for commercial ($5.95/month).
5. Safe Deposit Box Rental: Annual rental fees for safe deposit boxes ranging from $50 to $500 depending on size, plus drilling/key replacement fees of $200.
6. Merchant Services Referrals: Referral arrangements with third-party merchant service providers for credit card processing services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

United Mississippi Bank is a community bank offering deposit accounts, lending products, and digital banking services to consumers and small-to-medium businesses across southwestern Mississippi and Louisiana. The bank provides checking, savings, CDs, IRAs, mortgages, personal loans, commercial loans, merchant services, and cash management through a branch network supplemented by online, mobile, and phone banking channels.

Product overview

United Mississippi Bank (UMB) operates as a community bank offering a unified banking platform with integrated digital and traditional services. The core offering centers on Online Banking and Mobile Banking platforms that provide unified account access, bill payment, fund transfers, eStatements, and Mobile Deposit. Supporting services include Digital Wallet (Apple Pay, Google Pay, Samsung Pay), Call24 Touchtone Banking, Visa Debit/ATM Cards, Wire Transfers, and Merchant Services. Consumer products include Regular Checking, NetChek Checking (rewards), United Club Checking, Savings Accounts, CDs & IRAs, Mortgages, and Loans. Business offerings include Commercial Checking, Business Savings, ACH Origination, Remote Deposit Capture, and Business Sweep Services. Ancillary services include Financial Calculators, Safe Deposit Boxes, and CardLock fraud prevention features. The bank serves customers across Mississippi and Louisiana through branch locations and ATMs.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Banking Self-service online banking platform for consumer and business customers providing account access, fund transfers, bill pay, eStatements, check stop payments, loan payments, and Intuit QuickBooks/Quicken data connectivity.
• Mobile Banking App Smartphone application for iOS and Android providing balance inquiry, transaction history, fund transfers, bill pay, mobile check deposit, branch and ATM locator, eStatements, account alerts, and 4-digit passcode security.
• Bill Pay Online bill payment service for personal and business customers enabling one-time, recurring, and future-dated payments, eBills for select merchants, and Pay a Person person-to-person transfers.
• eStatements and Electronic Notices Electronic statement delivery replacing paper statements, accessible via Online and Mobile Banking and email, with up to 18 months of history and reduced identity theft risk.
• Digital Wallet Mobile payment integration supporting Apple Pay, Google Pay, and Samsung Pay, with tokenization, unique transaction codes, and encrypted processing for in-person, in-app, and online purchases.
• Call24 Touchtone Banking 24/7 toll-free telephone banking service in touch tone or voice recognition mode for account balance verification, transaction history, fund transfers, loan payments, stop payments, and card management.
• Visa Debit - ATM Cards Chip-enhanced Visa Debit Card combining ATM and point-of-sale functionality with instant issuance at branches and management features including CardLock, transaction alerts, spending limits, and merchant restrictions.
• Safe Deposit Boxes Secure storage service for valuable papers and items available in multiple sizes ranging from 3x5 to 10x16 inches plus lockers, offered at select UMB branch locations.
• Wire Transfer Domestic and international wire transfer service with outgoing domestic fees of $20, international outgoing fees of $50, and no charge for incoming domestic wires.
• Merchant Services Business payment processing enabling acceptance of credit cards, debit cards, and gift cards through point-of-sale systems and online ordering, delivered through third-party provider referrals.
• Regular Checking Basic personal checking account with standard features for everyday banking transactions.
• NetChek Checking Rewards checking account with ATM fee reimbursements and interest rates ranging from 0.25% to 2.00% APY based on balance and meeting qualification requirements including debit card transactions.
• United Club Checking Premium personal checking account with enhanced features under the United Club brand.
• Savings Accounts Personal savings accounts including options for retirement savings with competitive interest rates.
• CDs & IRAs Certificates of Deposit and Individual Retirement Accounts offering fixed-term savings with guaranteed returns.
• Mortgage Home mortgage lending products including purchase and refinance options.
• Personal Loans and Lines of Credit Personal lending products including term loans and revolving credit lines.
• Overdraft Protection Coverage for insufficient funds protecting against returned items and overdraft fees.
• ACH Origination Electronic funds transfer service enabling payroll direct deposit and automated bill payments with setup and per-item fees.
• Remote Deposit Capture Commercial service allowing business customers to scan and deposit checks electronically with a monthly service fee of $75.
• Business Sweep Services Cash management services including Investment Sweep, Loan Sweep, and Combination Sweep for managing idle funds and minimizing interest expense.
• Commercial Checking Business checking account designed for commercial customers with features for business banking needs.
• Business Savings Business savings account for commercial customers to earn interest on idle business funds.
• Commercial Loans and Lines of Credit Commercial lending products including term loans and revolving credit lines for business customers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature5 records

Scale indicators3 records

Recent moves12 records

Expansion highlights4 records

Broad incumbents

• Cadence Bank: Regional bank (formed via BancorpSouth and other mergers) operating across the Southeast with full consumer, commercial and treasury capabilities. Direct competitor for SMB relationships across UMB's footprint.
• Trustmark National Bank: Larger Mississippi-chartered regional bank offering consumer and commercial banking across the Southeast. Competes with UMB for SMB deposits, mortgages and treasury management in shared Mississippi markets.
• Hancock Whitney: Gulf Coast regional bank with comparable consumer/commercial product set including digital banking and treasury services. Operates in Louisiana and southern Mississippi where UMB has Vidalia, Melville and Eunice branches.
• Regions Bank: Large regional bank with dense branch coverage across the Southeast. Competes with UMB on consumer deposits, mortgages and small-business banking in Mississippi and Louisiana markets.

Direct peers

• Southern Bancorp: Mississippi-headquartered community development bank with comparable rural Mississippi footprint and small-business banking focus. Comparable in scale, mission and customer profile to UMB.
• Origin Bank (Origin Bancorp): Louisiana-based community bank offering consumer and commercial banking with similar product breadth (checking, mortgages, treasury, digital). Overlaps with UMB's Louisiana parishes.
• Citizens National Bank of Meridian: Mississippi community bank with consumer and commercial banking across east-central MS. Comparable community-bank model, product mix and target customer base.
• BankPlus: Mississippi-headquartered community bank with overlapping deposit and loan franchises in Mississippi and Louisiana. UMB acquired BankPlus branches in January 2025, confirming direct market overlap in southwestern MS and central LA.

Regional players

• Liberty Bank (Louisiana): Louisiana-focused community bank with consumer and commercial banking. Geographic and product overlap with UMB's Louisiana branches (Melville, Vidalia, Eunice, New Roads).

Emerging players

• First South Financial Credit Union: Credit union operating across Mississippi with consumer checking, loans and digital banking. Represents the member-owned cooperative alternative competing for the same household deposits as UMB.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/United-Mississippi-Bank-107721348030

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Mississippi Bank