At a glance
From its website, read 2 Nov 2026Bancorp Of Okolona, INc is a bank holding company based in Okolona, Mississippi. Where it lends: North Mississippi.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.bankofokolona.com |
|---|---|
| Office (official list) | 227 W Main St PO Box 306, Okolona, MS 38860 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 2744326 |
| Address | 227 W Main St PO Box 306, Okolona, MS 38860 |
| Website | www.bankofokolona.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 4 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: low. The Loans section lists only Consumer, Commercial and Mortgage labels with no loan details, and no loan product pages were fetched. Terms change — confirm with the lender before applying.
No loan products could be confirmed on the pages we read. That does not mean the lender has none.
Loan sizes
No amounts stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We could not confirm any loan product on the pages of their website we read. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: BankOkolona (FDIC cert 5902, total assets $359.6 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $359.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
Mississippi (5 offices)
- Calhoun County (1): 122 S Pontotoc Rd, Bruce 38915
- Chickasaw County (2): 227 W Main St, Okolona 38860 (main office); 321 W Madison St, Houston 38851
- Monroe County (1): 111 W Commerce St, Aberdeen 39730
- Webster County (1): 54 First St, Mantee 39751
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, BankOkolona (RSSD 919344, FDIC cert 5902), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $250 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 4.5% from $239.3 million on 30 Jun 2025 |
| Total assets | $359.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $93.9 million | 37.6% |
| Home equity lines of credit | $6.5 million | 2.6% |
| Commercial real estate, construction and multifamily | $57.3 million | 22.9% |
| Commercial and industrial (business) loans | $36.2 million | 14.5% |
| Farmland and farm production loans | $42.5 million | 17.0% |
| Consumer loans (credit cards, auto, other) | $13 million | 5.2% |
| All other loans and leases | $522,000 | 0.2% |
Within consumer loans: auto loans $5.7 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 141 loans $6.1 million | 633 loans $12.4 million |
| $100,001 to $250,000 | 65 loans $8.4 million | 70 loans $7.3 million |
| $250,001 to $1 million | 36 loans $13.8 million | 22 loans $6.4 million |
| All small business loans | 242 loans $28.3 million | 725 loans $26 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 87 loans $3.2 million | 55 loans $1.4 million |
| $100,001 to $250,000 | 43 loans $5.7 million | 11 loans $1.2 million |
| $250,001 to $500,000 | 26 loans $7 million | 10 loans $2.1 million |
| All small farm loans | 156 loans $16 million | 76 loans $4.7 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $359.6 million | Larger than 43% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 70% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $239.3 million → $250 million (+4%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 39 → 41. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 43% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 39 → 41 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Okolona and Mississippi
- BankOkolonaBank or thrift · Okolona, MSVerified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
- Bank of ForestBank or thrift · Forest, MSHome repair / improvement loans, Home mortgages, Personal / consumer loansVerified
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