Holmes County Bank

What Holmes County Bank does

Holmes County Bank is a privately held community bank founded in 1932 and headquartered in Lexington, Mississippi. The institution provides personal banking and business banking services to depositors and borrowers in its immediate Holmes County market, operating with a workforce of 11–50 employees and no disclosed digital channel footprint (no mobile app, no public API per source). Its operating model is consistent with a traditional brick-and-mortar community bank: deposit gathering, consumer and commercial lending, and ancillary retail banking services delivered through physical branch presence rather than digital channels.

The bank's business model is built on net interest margin — the spread between yields earned on loans/securities and rates paid on deposits — supplemented by customary fee income (deposit account, wire, and treasury management services). Pricing is not publicly disclosed, and the bank has no listed distribution channels, partnerships, or third-party integrations in the available source material. No technology stack, core-banking platform, or digital product line is identified.

In April 2023, Holmes County Bank received a $2,478,839 award from the U.S. Treasury Community Development Financial Institutions (CDFI) Fund, indicating certified CDFI status. This designation provides access to preferential Federal Home Loan Bank advances, CDFI-specific federal programs, and signals a community-development-focused lending mandate in low-income and underserved Mississippi Delta geographies. The bank has no disclosed parent company, subsidiaries, recent M&A activity, or leadership changes in the available source material.

Name

Holmes County Bank

Website

https://holmesbk.com

Company type

Private

Founded year

1932

Headcount range

11–50 employees

Short description

Holmes County Bank is a privately held community bank founded in 1932 in Lexington, Mississippi, providing personal and business banking services to local depositors and borrowers in Holmes County with a workforce of 11–50 employees.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institution, Federally Chartered (6035), Finance Services (6199)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Community banking
• Personal banking
• Business banking
• Retail banking
• CDFI lending

Headquarters

HQ city

Lexington

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Core offering

Holmes County Bank is a privately held community bank, founded in 1932, that provides personal banking services and business banking services to individuals and businesses primarily in and around Lexington, Mississippi. The bank's offerings are typical of a community bank, focused on deposit products and lending to retail and small-business customers in its local market.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Personal banking services for individual consumers in and around Lexington, Mississippi, encompassing deposit accounts, consumer accounts, and personal lending typical of a community bank.
• Business Banking Business banking services for local small and mid-sized businesses in the Holmes County, Mississippi area, including deposit accounts and lending typical of a community bank serving small businesses.

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights2 records

Regional players

• BankPlus: Mississippi-headquartered community and commercial bank serving retail and small-business customers across the state. Comparable as a Mississippi-domiciled community banking franchise with overlapping personal and business banking offerings.
• Cadence Bank: Regional bank formed from the merger of BancorpSouth and Cadence, with deep Mississippi roots and full personal/business banking services. Direct overlap with Holmes County Bank's market and product set in Mississippi.
• Trustmark National Bank: Mid-sized regional bank headquartered in Jackson, MS providing personal, small-business, and commercial banking across the Southeast. Comparable community banking model with similar retail and commercial deposit and lending products.
• Renasant Bank: Mississippi-based community bank with branches across the Southeast offering consumer and commercial banking. Operates a similar retail/community banking franchise with overlapping customer segments in Mississippi.

Direct peers

• Hope Credit Union: CDFI-certified, member-owned financial institution serving underserved communities across the Deep South, including Mississippi. Comparable mission-driven rural and community focus with overlapping retail and small-business banking.
• Planters Bank & Trust Company: Mississippi community bank providing personal and business banking services in the Mississippi Delta region. Closely comparable in geography, scale, and product mix to Holmes County Bank.
• Southern Bancorp Bank: CDFI-certified community development bank operating in rural Mississippi and Arkansas providing personal and small-business banking. Highly comparable mission-driven rural banking model with similar CDFI funding profile.

Broad incumbents

• First Horizon Bank: Large regional bank with significant Mississippi presence offering consumer, small-business, and commercial banking. Competes with Holmes County Bank for retail and small-business deposits and loans in shared Mississippi markets.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat3 records

Key risks4 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/holmes-county-bank

Revenue estimate

Valuation estimate

Number of profiles

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 Holmes County Bank