🏦Bank Scorer

BANKFIRST FINANCIAL SERVICES

COLUMBUS, MS · Supervised by FDIC

Est. 1888FDIC #8,870RSSD: FDIC-8870
Part ofBANKFIRST CAPITAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: July 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

900 Main St, COLUMBUS, MS

County

Lowndes County

Established

June 1, 1888

Total Assets

$3.3B(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

July 1, 2010

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.9B

Net Loans

$2.2B

Net Income

$9M

ROA

1.09%

ROE

8.39%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate7.90%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

38

Branch Deposits

$2.4B

1-Year Change

-3

5-year net change: +16 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,56980.94%7.90%
20231,28579.61%7.94%
20221,24181.14%7.98%
20211,34984.58%4.89%
20201,46386.4%4.17%
201962982.03%8.59%
201868379.65%11.57%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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