County banking markets / MS / 28071
LafayetteMississippi
FIPS 28071. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 82 counties in Mississippi’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (762) and moderately concentrated on deposits (1,521).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
14 branch offices and 7 institutions in 1994; 32 and 17 in 2025. Deposits booked in the county went from $270.0M to $2.08B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | FNB Oxford Bank cert 5005 | $637.0M | 30.67% | 4 | 12.50% |
| 2 | Cadence Bank cert 11813 | $311.0M | 14.97% | 2 | 6.25% |
| 3 | Regions Bank cert 12368 | $235.6M | 11.34% | 2 | 6.25% |
| 4 | Renasant Bank cert 12437 | $197.0M | 9.48% | 3 | 9.38% |
| 5 | Guaranty Bank and Trust Company cert 15953 | $165.1M | 7.95% | 4 | 12.50% |
| 6 | Trustmark National Bank cert 4988 | $91.5M | 4.41% | 2 | 6.25% |
| 7 | BankFirst Financial Services cert 8870 | $76.8M | 3.70% | 3 | 9.38% |
| 8 | BankPlus cert 5903 | $72.4M | 3.49% | 1 | 3.13% |
| 9 | Bank of Holly Springs cert 8232 | $53.1M | 2.56% | 1 | 3.13% |
| 10 | Origin Bank cert 12614 | $52.4M | 2.52% | 1 | 3.13% |
| 11 | First National Bank of Clarksdale cert 19070 | $47.5M | 2.29% | 2 | 6.25% |
| 12 | Paragon Bank cert 57874 | $46.0M | 2.22% | 2 | 6.25% |
| 13 | FIRST COMMERCIAL BANK cert 57069 | $31.6M | 1.52% | 1 | 3.13% |
| 14 | Bank of Commerce cert 9359 | $31.6M | 1.52% | 1 | 3.13% |
| 15 | The Citizens Bank of Philadelphia, Mississippi cert 12204 | $22.6M | 1.09% | 1 | 3.13% |
| 16 | Woodforest National Bank cert 23220 | $5.5M | 0.26% | 1 | 3.13% |
| 17 | RiverHills Bank cert 8234 | $5K | 0.00% | 1 | 3.13% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Mississippi, or read the methodology for the two HHI constructions and what they cannot tell you.