At a glance
From its website, read 2 Nov 2026BankFirst Financial Services is a bank or thrift based in Columbus, Mississippi. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. Where it lends: Communities in Alabama and 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.bankfirstfs.com |
|---|---|
| Office (official list) | P.O. Box 1248, Columbus, MS 39703 |
What their website says about applying
call or visit one of our branches
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| SBA-backed loans (7(a)/504/Community Advantage) | Term: up to 10 yr | Up to 10 years for equipment or business acquisition | source |
| SBA-backed loans (7(a)/504/Community Advantage) | Term: up to 25 yr | Up to 25 years for owner occupied real estate | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 11 Apr 2014 |
| RSSD ID | 914648 |
| Address | P.O. Box 1248, Columbus, MS 39703 Directions to the main office (Google Maps) |
| Website | www.bankfirstfs.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 7 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: medium. Personal and auto loans have no stated amounts, and the lender's pages give loan amounts only for SBA programs. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Our loan experts can help you get the auto loan that's just right for you. | source |
| Commercial real estate loans | — | Commercial real estate must be partially occupied by the borrower and includes, but is not limited to, the following types of properties. | source |
| Equipment loans | — | Competitive rates for new or used equipment | source |
| Personal / consumer loans | — | We offer personal loans for almost anything — paying taxes, medical bills, or seeing you through emergencies. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | up to $5M | Loan amounts up to $5,000,000 | source |
| Small-business loans | — | We offer competitive rates for a variety of business needs, from stocking your shelves to spreading the word about your brand. | source |
Loan sizes
Service area
Communities in Alabama and Mississippi
Proudly serving communities in Alabama and Mississippi
source
Statewide: Alabama, Mississippi
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.
Pages read (7)
- https://www.bankfirstfs.com/
- https://www.bankfirstfs.com/personal/loans
- https://www.bankfirstfs.com/personal/auto-loans
- https://www.bankfirstfs.com/business/term-loans
- https://www.bankfirstfs.com/business/sba-lending
- https://www.bankfirstfs.com/business/equipment-loans
- https://www.bankfirstfs.com/business/lines-of-credit
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 are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$26.1 million in 28 awards from the U.S. Treasury's CDFI Fund, 2013–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $6,197,097 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2020 | Bank Enterprise Award Program | $163,765 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2019 | Bank Enterprise Award Program | $112,398 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2013 | Bank Enterprise Award Program | $323,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as BankFirst Financial Services (FDIC cert 8870). 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 | $3.3 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 51 in 2 states (as of 30 Oct 2026) |
Offices by state and county (51)
Mississippi (36 offices)
- Clay County (1): 7342 Highway 45 Alt N, West Point 39773
- DeSoto County (2): 1025 E Commerce St, Hernando 38632; 6830 Getwell Rd, Southaven 38672
- Forrest County (2): 2007 Lincoln Road, Hattiesburg 39402; 1130 Evelyn Gandy Pkwy, Petal 39465
- Harrison County (1): 790 Howard Avenue, Suite 6 & 7, Biloxi 39530
- Hinds County (1): 4400 Old Canton Rd, Jackson 39211
- Jasper County (4): 28 Highway 528, Bay Springs 39422; 28 Highway 528, Bay Springs 39422; 407 E Main St, Heidelberg 39439; 4288 Highway 15, Louin 39338
- Jones County (2): 3220 Highway 15 N, Laurel 39440; 500 Central Ave, Laurel 39440
- Lafayette County (3): 1508 University Ave, Oxford 38655; 2601 Jackson Ave W, Oxford 38655; 403 North Lamar Boulevard, Oxford 38655
- Lamar County (2): 11 Newtowne Loop, Hattiesburg 39402; 6179 U S Highway 98, Hattiesburg 39402
- Lee County (1): 207 W Main St, Tupelo 38804
- Lincoln County (1): 221 S Jackson St, Brookhaven 39601
- Lowndes County (3): 900 Main St, Columbus 39701 (main office); 110 N Lehmberg Rd, Columbus 39702; 2027 Highway 45 N, Columbus 39705
- Madison County (1): 1597 Highland Colony Pkwy, Madison 39110
- Newton County (2): 114 E Church St, Newton 39345; 292 Eastside Dr, Newton 39345
- Noxubee County (1): 3055 Jefferson St, Macon 39341
- Oktibbeha County (2): 1000 Highway 12 W, Starkville 39759; 101 Russell St, Starkville 39759
- Rankin County (1): 201 Bank First Dr, Flowood 39232
- Smith County (1): 748 Highway 28 E, Taylorsville 39168
- Tate County (3): 409 Central Ave, Coldwater 38618; 5825 Highway 305, Coldwater 38618; 301 E Main St, Senatobia 38668
- Yalobusha County (2): 319 N Main St, Water Valley 38965; 321 S Main St, Water Valley 38965
Alabama (15 offices)
- Fayette County (2): 100 Temple Ave S, Fayette 35555; 1910 Temple Ave N, Fayette 35555
- Jefferson County (1): 2100 Southbridge Office Bldg, Birmingham 35209
- Madison County (1): 307 Clinton Ave W, Huntsville 35801
- Pickens County (3): 25 3rd Ave Ne, Aliceville 35442; 160 Reform St, Carrollton 35447; 106 2nd Ave Nw, Gordo 35466
- Tuscaloosa County (2): 54 Mcfarland Blvd, Northport 35476; 2323 Paul W Bryant Dr, Tuscaloosa 35401
- Walker County (1): 5329 Curry Hwy, Curry 35503
- Winston County (5): 30966 Highway 278, Addison 35540; 6141 County Road 41, Arley 35541; 10 Blake Drive, Double Springs 35553; 1120 21st St, Haleyville 35565; 819 20th St, Haleyville 35565
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 2026Figures from the Call Report filed by BankFirst Financial Services (RSSD 914648, FDIC cert 8870). 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 | $2.28 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 23.9% from $1.84 billion on 30 Jun 2025 |
| Total assets | $3.31 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $625.6 million | 27.5% |
| Home equity lines of credit | $100.5 million | 4.4% |
| Commercial real estate, construction and multifamily | $1.11 billion | 48.8% |
| Commercial and industrial (business) loans | $199.3 million | 8.8% |
| Farmland and farm production loans | $139.9 million | 6.1% |
| Consumer loans (credit cards, auto, other) | $31.1 million | 1.4% |
| All other loans and leases | $70 million | 3.1% |
Within consumer loans: auto loans $11.1 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 | 188 loans $7.3 million | 1,244 loans $26.5 million |
| $100,001 to $250,000 | 262 loans $32.9 million | 309 loans $24.3 million |
| $250,001 to $1 million | 430 loans $162.7 million | 166 loans $41.5 million |
| All small business loans | 880 loans $202.9 million | 1,719 loans $92.3 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 | 161 loans $6.6 million | 163 loans $3.9 million |
| $100,001 to $250,000 | 151 loans $18.5 million | 36 loans $3.9 million |
| $250,001 to $500,000 | 60 loans $14.5 million | 34 loans $6.3 million |
| All small farm loans | 372 loans $39.7 million | 233 loans $14 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.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025BankFirst Financial Services reported 1,269 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $266.9M (median loan about $135,000). 566 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 566 | 45% |
| Refinance (incl. 28 cash-out) | 505 | 40% |
| Home improvement | 141 | 11% |
| Other purpose | 57 | 4.5% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 1,167 | 92% |
| FHA-insured | 83 | 6.5% |
| VA-guaranteed | 13 | 1.0% |
| USDA (RHS or FSA) | 6 | 0.5% |
Included above: 304 home-equity or other open-end lines of credit; 55 loans on manufactured homes; 30 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 84 counties with at least one; 68% of its 2025 loans were for properties in Mississippi:
- Tuscaloosa County, AL (179)
- Lafayette County, MS (97)
- Lowndes County, MS (95)
- Yalobusha County, MS (91)
- Oktibbeha County, MS (73)
- Winston County, AL (61)
- Tate County, MS (59)
- DeSoto County, MS (56)
Filed under LEI 549300BR7OTD25RTS027 as “BankFirst Financial Services”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $166,450 (302 loans) | All 7(a) lenders in Mississippi: $222,350. Larger than the median loan of 51% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.75 pts, half between 2 pts and 2.75 pts (59 loans; 0% at the SBA maximum) | All lenders in Mississippi: median 2.5 pts, 10% at the maximum (685 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 102 → 13 | Rank among the 16 certified CDFIs in Mississippi with SBA approvals in either period: 2 → 7. |
| Total assets (Call Report, 30 Jun 2026) | $3.31 billion | Larger than 94% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 69% | 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 | $1.84 billion → $2.28 billion (+24%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 7 → 5. |
| Home loans originated in 2025 (HMDA) | 1,269 | More than 95% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 51% |
| Rate over prime | all variable-rate 7(a) loans in Mississippi, FY2024–26 | 685 | median 2.75 pts vs 2.5 pts |
| SBA approvals then vs now | certified CDFIs in Mississippi with SBA approvals FY2023–2026 | 15 | rank 2 → 7 of 16 |
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 94% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 7 → 5 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 95% |
“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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 302 SBA-backed approvals for BankFirst Financial Services in fiscal years 2020–2026 (October 2019 to September 2026):
- 302 7(a) loans as the lender: $103.9M in total (gross amount approved), median $166,450
By fiscal year: FY2020 45 · FY2021 68 · FY2022 74 · FY2023 56 · FY2024 46 · FY2025 11 · FY2026 2.
What actually happened
- Size of its 7(a) loans: half were between $92,700 and $359,925, median $166,450 (302 loans)
- Term of its 7(a) loans: median 120 months (10 years) (302 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 10.50%, half between 10.00% and 10.75% (13 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 9% of its 7(a) loans had a fixed rate (302 loans)
- Young businesses: 33% of its 7(a) loans went to a startup or a business two years old or less (300 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (253, 84%)
- 7(a) SBA Express (49, 16%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (47)
- Retail trade (45)
- Agriculture, forestry, fishing and hunting (38)
- Health care and social assistance (34)
- Professional, scientific, and technical services (29)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Tuscaloosa County, AL (26)
- Noxubee County, MS (21)
- Madison County, MS (18)
- Lowndes County, MS (17)
- Jefferson County, AL (14)
- Oktibbeha County, MS (14)
- Harrison County, MS (12)
- Rankin County, MS (12)
- Hinds County, MS (9)
- St. Tammany Parish, LA (9)
- Lafayette County, MS (8)
- Ascension Parish, LA (7)
- Shelby County, TN (7)
- Winston County, MS (7)
- Forrest County, MS (6)
- Lee County, MS (6)
- Jasper County, MS (5)
- Leake County, MS (5)
- DeSoto County, MS (5)
- Davidson County, TN (4)
- East Baton Rouge Parish, LA (4)
- Monroe County, MS (4)
- Orleans Parish, LA (4)
- Baldwin County, AL (4)
- Clay County, MS (3)
- St. Clair County, AL (3)
- Lauderdale County, MS (3)
- Jefferson Parish, LA (3)
- Montgomery County, AL (3)
- Mobile County, AL (3)
- Winston County, AL (3)
How this lender was matched in the SBA files: FDIC cert 8870, found through the RSSD ID on the CDFI Fund list (SBA lists “BankFirst Financial Services”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. BankFirst Financial Services may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Columbus and Mississippi
- BankFirst Capital CorporationBank holding company · Columbus, MSAuto / vehicle loans, Equipment loans, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- 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
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- 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
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