These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in Mississippi. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in Mississippi, Largest Multifamily Books First
25 of 41 qualifying banks are headquartered in Mississippi. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in MS | Contact |
|---|---|---|---|---|---|
| 1 | Trustmark National Bank | $1.93bn | 38.3% | 97 | Contact available |
| 2 | Hancock Whitney Bank | $1.27bn | 21.4% | 27 | Contact available |
| 3 | Renasant Bank | $1.16bn | 14.2% | 89 | Contact available |
| 4 | BankPlus | $462m | 22.1% | 52 | Contact available |
| 5 | BankFirst Financial Services | $158m | 20.5% | 36 | Contact available |
| 6 | Guaranty Bank and Trust Company | $114m | 13.5% | 39 | — |
| 7 | Community Bank of Mississippi | $111m | 11.9% | 43 | Contact available |
| 8 | Planters Bank & Trust Company | $100m | 13.3% | 20 | Contact available |
| 9 | The Citizens National Bank of Meridian | $54m | 9.4% | 29 | Contact available |
| 10 | Story Bank DBA Story Financial Partners | $45m | 16.2% | 5 | Contact available |
| 11 | FNB Oxford Bank | $45m | 16.6% | 7 | Contact available |
| 12 | The Citizens Bank of Philadelphia, Mississippi | $41m | 9.9% | 26 | Contact available |
| 13 | Merchants & Marine Bank | $29m | 10.3% | 11 | Contact available |
| 14 | First Choice Bank | $19m | 13.1% | 6 | Contact available |
| 15 | First Bank (Mississippi) | $19m | 14.3% | 14 | Contact available |
| 16 | BNA Bank | $19m | 10.5% | 8 | Contact available |
| 17 | First Security Bank (Mississippi) | $15m | 8.3% | 19 | Contact available |
| 18 | First State Bank | $11m | 6.4% | 16 | — |
| 19 | RiverHills Bank | $10m | 16.8% | 5 | Contact available |
| 20 | United Mississippi Bank | $10m | 9.4% | 10 | Contact available |
| 21 | Century Bank | $9m | 8.6% | 3 | Contact available |
| 22 | Copiah Bank | $8m | 18.0% | 9 | Contact available |
| 23 | Pike National Bank | $7m | 9.7% | 5 | Contact available |
| 24 | Bank of Yazoo City | $6m | 13.2% | 5 | Contact available |
| 25 | First National Bank of Clarksdale | $5m | 7.0% | 5 | Contact available |
National Lenders With Branches in Mississippi
25 of 25 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in MS | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 8 | Contact available |
| 2 | Wells Fargo | $26.55bn | 25.6% | 9 | Contact available |
| 3 | Truist | $8.65bn | 26.0% | 1 | Contact available |
| 4 | Huntington National Bank | $4.88bn | 19.9% | 89 | Contact available |
| 5 | Pinnacle Bank (Tennessee) | $4.86bn | 17.8% | 1 | Contact available |
| 6 | Regions Bank | $3.88bn | 35.6% | 96 | Contact available |
| 7 | First Horizon Bank | $3.72bn | 27.1% | 4 | Contact available |
| 8 | Bank OZK | $2.55bn | 14.7% | 1 | Contact available |
| 9 | Origin Bank | $568m | 20.5% | 6 | Contact available |
| 10 | Home Bank | $198m | 20.7% | 3 | Contact available |
| 11 | Woodforest National Bank | $115m | 5.5% | 27 | Contact available |
| 12 | Southern Bancorp | $92m | 15.2% | 21 | Contact available |
| 13 | Gulf Coast Bank & Trust | $89m | 13.5% | 1 | Contact available |
| 14 | CB&S Bank | $74m | 10.9% | 12 | Contact available |
| 15 | First National Banker's Bank | $47m | 14.6% | 1 | Contact available |
| 16 | Liberty Bank & Trust | $37m | 17.9% | 1 | Contact available |
| 17 | FIDELITY BANK | $34m | 16.0% | 2 | Contact available |
| 18 | Commercial Bank & Trust Co. | $28m | 23.1% | 1 | Contact available |
| 19 | Paragon Bank | $19m | 6.8% | 2 | Contact available |
| 20 | Concordia Bank & Trust Company | $19m | 18.9% | 4 | Contact available |
| 21 | First Southern Bank | $13m | 12.4% | 1 | Contact available |
| 22 | FSNB, National Association | $8m | 12.7% | 7 | Contact available |
| 23 | The Bank of Vernon | $5m | 16.8% | 3 | Contact available |
| 24 | Community Spirit Bank | $2m | 7.3% | 2 | — |
| 25 | Bank of England | $2m | 7.1% | 2 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 66 banks qualified in Mississippi. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 62 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in Mississippi. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in Mississippi from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in Mississippi from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.