Lowndes County, Mississippi, a core county of the Starkville-Columbus, MS market, holds $1.6B in deposits across 9 insured institutions and 19 branches. Cadence Bank is the largest deposit holder at 29.3% share. The top three banks hold 64% of deposits, which places the county in the Concentrated band. Deposits have grown 30.2% since 2020 while the branch count fell by 9.5%. It produces $3.2B of output, ranking #743 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 21 in 2020 to 19 in 2025. Institutions: 10 to 9. Top-three share: 56% to 64%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Cadence Bank | $476M | 29.3% | +37% |
| BankFirst Financial Services | $350M | 21.5% | +26% |
| Regions Bank | $208M | 12.8% | +7% |
| Renasant Bank | $168M | 10.4% | +47% |
| Trustmark National Bank | $161M | 9.9% | +2% |
| The Bank of Vernon | $138M | 8.5% | +199% |
| The Citizens National Bank of Meridian | $95M | 5.8% | +10% |
| Bank of Commerce | $21M | 1.3% | +2% |
| Woodforest National Bank | $7M | 0.4% | +52% |
The 9 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Starkville-Columbus market
Lowndes County is one of 4 counties that make up the Starkville-Columbus, MS market, a Combined Statistical Area (ranked #259 of 293 U.S. markets by economic output). It produces 55.3% of the market’s output and holds 44.1% of its deposits.
| Measure | Lowndes County | Share of parent market |
|---|---|---|
| 2024 GDP | $3.2B | 55.3% |
| Deposits | $1.6B | 44.1% |
| Population | 57,346 | 44.4% |
View the full Starkville-Columbus market profile →
Recruiting in Lowndes County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Lowndes County.
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