Mississippi borrowers have a concentrated group of large bank lenders and a broader set of community banks with smaller CRE portfolios. The 25 banks in the ranking reported $40.1 billion in total commercial real estate loans as of June 30, 2026. Their portfolios included $7.3 billion in construction and land loans, $5.7 billion in multifamily loans, $11.8 billion in owner occupied loans and $15.4 billion in investor nonfarm nonresidential loans. BestCRE ranks these institutions by total CRE loans using FDIC Call Reports, specifically schedule RC-C. The ranking covers banks headquartered in Mississippi, not every institution that can make a commercial property loan in the state.
Mississippi had 57 headquartered banks with $41.8 billion in total CRE loans, up +6.4% from the prior year. The top five accounted for 76.0% of that amount, showing how much reported lending capacity sits with the largest institutions. Still, portfolio size is only one consideration when selecting banks to contact. Loan mix indicates the property categories in which each bank carries the greatest balances. Annual growth identifies institutions adding or reducing CRE exposure. CRE share of loans and investor CRE to equity provide context on concentration. These measures help borrowers build a call list, but they do not describe current pricing, approval standards or specific loan programs.
Mississippi banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Renasant Bank | Tupelo, MS | $11,354 | $2,013 | $1,158 | $3,221 | +4.0% | 58.4% |
| 2 | Hancock Whitney Bank | Gulfport, MS | $9,315 | $1,359 | $1,274 | $3,354 | +12.5% | 37.8% |
| 3 | Trustmark Bank | Jackson, MS | $6,347 | $1,217 | $1,931 | $1,301 | -5.0% | 44.7% |
| 4 | BankPlus | Belzoni, MS | $3,295 | $477 | $462 | $1,210 | +0.1% | 51.4% |
| 5 | Community Bank of Mississippi | Flowood, MS | $1,442 | $392 | $111 | $504 | +8.9% | 41.1% |
| 6 | Guaranty Bank and Trust Company | Belzoni, MS | $1,135 | $280 | $114 | $296 | +10.9% | 51.5% |
| 7 | BankFirst Financial Services | Columbus, MS | $1,111 | $217 | $158 | $342 | +18.1% | 48.8% |
| 8 | Planters Bank & Trust Company | Indianola, MS | $961 | $170 | $100 | $207 | +35.1% | 53.3% |
| 9 | The Citizens National Bank of Meridian | Meridian, MS | $770 | $133 | $53.7 | $198 | +6.9% | 58.2% |
| 10 | The Citizens Bank of Philadelphia, Mississippi | Philadelphia, MS | $568 | $92.8 | $41.2 | $152 | +1.2% | 63.5% |
| 11 | PriorityOne Bank | Magee, MS | $533 | $129 | $16.7 | $116 | +8.7% | 57.4% |
| 12 | Story Bank DBA Story Financial Partners | Jackson, MS | $416 | $97.2 | $45.1 | $138 | +9.0% | 46.8% |
| 13 | TownBridge Bank | Pascagoula, MS | $391 | $84.3 | $29.5 | $104 | +47.3% | 57.1% |
| 14 | FNB Oxford Bank | Oxford, MS | $326 | $112 | $44.7 | $56.5 | +16.2% | 61.1% |
| 15 | First Security Bank | Batesville, MS | $289 | $73.4 | $15.2 | $106 | +5.0% | 47.7% |
| 16 | First State Bank | Waynesboro, MS | $262 | $57.7 | $11.4 | $84.5 | +25.4% | 49.3% |
| 17 | BNA Bank | New Albany, MS | $216 | $49.7 | $18.5 | $39.2 | +8.2% | 39.2% |
| 18 | Peoples Bank | Mendenhall, MS | $200 | $17.6 | $0.3 | $26.4 | +10.1% | 50.9% |
| 19 | First Bank | Mccomb, MS | $192 | $32.9 | $19.4 | $56.9 | +11.6% | 49.7% |
| 20 | United Mississippi Bank | Natchez, MS | $189 | $12.2 | $10.2 | $80.3 | +8.7% | 45.8% |
| 21 | First Choice Bank | Pontotoc, MS | $186 | $71.6 | $19.5 | $37.3 | +30.9% | 45.7% |
| 22 | Bank of Holly Springs | Holly Springs, MS | $168 | $58.5 | $2.2 | $95.0 | +0.6% | 39.0% |
| 23 | The Peoples Bank, Biloxi, Mississippi | Biloxi, MS | $166 | $33.0 | $5.0 | $33.0 | +13.6% | 59.7% |
| 24 | Century Bank | Lucedale, MS | $156 | $45.9 | $9.4 | $47.0 | +14.2% | 39.6% |
| 25 | Farmers and Merchants Bank | Baldwyn, MS | $131 | $54.5 | $5.2 | $23.0 | +9.9% | 37.0% |
Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record. Table shows the top 25 of 57 banks headquartered in Mississippi.
Renasant Bank leads with $11.4 billion in CRE loans, followed by Hancock Whitney Bank at $9.3 billion and Trustmark Bank at $6.3 billion. Their portfolio mixes differ. Renasant reported $5.0 billion in investor nonfarm nonresidential loans, Hancock Whitney reported $3.4 billion in owner occupied loans and Trustmark reported $1.9 billion in multifamily loans. Growth also varied. Hancock Whitney increased CRE loans by +12.5%, while Trustmark recorded -5.0%. Among smaller institutions, TownBridge Bank posted +47.3% growth and Planters Bank & Trust Company posted +35.1%. Concentration measures show another distinction. Renasant’s CRE loans represented 58.4% of total loans, compared with 37.8% at Hancock Whitney. The Citizens Bank of Philadelphia, Mississippi reported an investor CRE to equity ratio of 4.79x, while Bank of Holly Springs reported 0.90x. Those ratios are high and low, respectively, relative to other banks in the table.
Out of state banks with branches in Mississippi
| Bank | Headquarters state | Branches in Mississippi | Deposits in Mississippi ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| The Huntington National Bank | Ohio | 87 | $10,167 | $37,932 |
| Regions Bank | Alabama | 96 | $8,454 | $16,257 |
| Wells Fargo Bank, N.A. | South Dakota | 9 | $901 | $121,623 |
| Origin Bank | Louisiana | 6 | $612 | $3,823 |
| CB&S Bank, Inc. | Alabama | 12 | $477 | $883 |
| First Horizon Bank | Tennessee | 4 | $462 | $22,518 |
| First Financial Bank | Arkansas | 2 | $309 | $438 |
| Southern Bancorp Bank | Arkansas | 19 | $234 | $857 |
| Home Bank, N.A. | Louisiana | 3 | $195 | $1,731 |
| Concordia Bank & Trust Company | Louisiana | 4 | $195 | $229 |
| JPMorgan Chase Bank, N.A. | Ohio | 6 | $186 | $179,847 |
| The Bank of Vernon | Alabama | 3 | $155 | $97.9 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Mississippi only; CRE loans are bank wide.
Portfolio evidence can guide a bank loan search
Total CRE loans provide a starting point for judging a bank’s demonstrated appetite and potential hold capacity. A borrower seeking a larger commitment may begin with institutions carrying the largest portfolios, while a smaller or locally focused transaction may fit within a broader group of community banks. Renasant Bank ranks first with $11.4 billion, while Farmers and Merchants Bank ranks 25 with $130.7 million. The figures establish relative scale, but they do not show how much a bank will lend on a particular property.
Borrowers can refine the call list by reviewing portfolio mix, annual growth and concentration together. A large balance in the relevant category shows where a bank is most active in its existing book. Positive growth identifies banks that added CRE loans over the year, while concentration can signal that an institution will be selective about additional exposure. Bank lending remains relationship driven and local, so borrowers should contact several plausible institutions and ask each one about current interest, structure and underwriting requirements.
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The largest portfolio category across the ranked banks is investor nonfarm nonresidential lending at $15.4 billion, followed by owner occupied lending at $11.8 billion. Construction and land loans total $7.3 billion, while multifamily loans total $5.7 billion. Individual banks show different patterns. Renasant Bank holds $5.0 billion in investor nonfarm nonresidential loans. Hancock Whitney Bank reports $3.4 billion in owner occupied loans. Trustmark Bank carries $1.9 billion in multifamily loans, and Renasant reports $2.0 billion in construction and land loans.
Concentration figures add context to those balances. CRE represents 63.5% of total loans at The Citizens Bank of Philadelphia, Mississippi, compared with 37.0% at Farmers and Merchants Bank. Investor CRE to equity ranges from 0.90x at Bank of Holly Springs to 4.79x at The Citizens Bank of Philadelphia, Mississippi. A high ratio relative to peers can signal that a bank will be selective, even when its reported CRE portfolio is substantial. The ratio is not a loan term or an approval measure, but it helps borrowers interpret each bank’s existing exposure.
Additional bank and nonbank sources broaden the search
Banks headquartered outside Mississippi also lend through branches in the state, but they are not included in the headquarters ranking. The Huntington National Bank, headquartered in Ohio, has 87 Mississippi branches and $10.2 billion in state deposits. Regions Bank, headquartered in Alabama, has 96 branches and $8.5 billion in state deposits. Wells Fargo Bank, N.A., headquartered in South Dakota, has 9 branches and $900.7 million in state deposits. Their reported CRE totals cover all states, so they should not be interpreted as Mississippi loan balances.
Borrowers can also compare banks with debt funds, life companies, CMBS, agency and SBA lenders. These nonbank sources do not appear in FDIC bank call reports and may evaluate properties through different channels. Comparing several sources helps a borrower assess current availability, pricing, structure and execution for a specific transaction. The ranked table is most useful as a screening tool for bank relationships, not as a complete directory of every commercial real estate capital source serving Mississippi.
Frequently Asked Questions
Which bank is the largest commercial real estate lender headquartered in Mississippi?
Renasant Bank ranks first among Mississippi headquartered banks with $11.4 billion in total CRE loans as of June 30, 2026. Its portfolio includes $2.0 billion in construction and land loans, $1.2 billion in multifamily loans, $3.2 billion in owner occupied loans and $5.0 billion in investor nonfarm nonresidential loans. CRE accounts for 58.4% of its total loans, and its investor CRE to equity ratio is 1.95x. Renasant also ranks 41 nationally by total CRE loans among the 4,167 banks in the national comparison.
Which Mississippi bank reported the fastest CRE loan growth?
TownBridge Bank reported the highest annual CRE growth among the ranked Mississippi banks at +47.3%. The Pascagoula headquartered bank held $391.1 million in total CRE loans as of June 30, 2026, including $84.3 million in construction and land loans, $29.5 million in multifamily loans, $104.2 million in owner occupied loans and $173.1 million in investor nonfarm nonresidential loans. Its CRE portfolio represented 57.1% of total loans, and its investor CRE to equity ratio was 2.20x. Growth indicates that the reported portfolio expanded, but it does not establish current approval capacity.
Which Mississippi bank has the largest multifamily loan portfolio?
Trustmark Bank reports the largest multifamily balance in the Mississippi ranking at $1.9 billion. The Jackson headquartered institution has $6.3 billion in total CRE loans, including $1.2 billion in construction and land loans, $1.3 billion in owner occupied loans and $1.9 billion in investor nonfarm nonresidential loans. Its total CRE portfolio changed -5.0% from the prior year and represented 44.7% of total loans. Trustmark’s investor CRE to equity ratio was 2.26x, and it ranked 87 nationally by total commercial real estate loans.
What interest rate benchmarks were available when this ranking was published?
As of Oct 26, 2026, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96% and Fed funds was 3.88%. These are market benchmarks, not quoted loan rates from the banks in the ranking. FDIC Call Reports do not establish the pricing that a borrower will receive. Actual bank pricing and structure depend on the property, borrower, relationship and current underwriting. Borrowers should obtain direct proposals from several lenders before comparing financing choices.
How broad is the Mississippi bank CRE market?
Mississippi has 57 headquartered banks with $41.8 billion in total CRE loans as of June 30, 2026. Those balances increased +6.4% from the prior year, and the top five banks held 76.0% of the state headquartered total. For national context, 4,167 banks reported $3.07 trillion in total CRE loans. The BestCRE table presents 25 Mississippi headquartered banks with $40.1 billion in combined CRE balances. The difference between the state total and ranked table reflects Mississippi headquartered institutions outside the published ranking.
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BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.