CTRY BK HLDG CO/SH is a bank holding company that operates through its wholly owned subsidiary, Country Bank. The company provides a broad range of financial services to individual, commercial and agricultural clients. Its core offerings include deposit accounts, business and consumer lending, mortgage financing, cash management and treasury services, as well as digital banking solutions that enable customers to access their accounts, transfer funds and pay bills online or via mobile devices. Through its community-focused approach, the company aims to combine personalized service with robust technology platforms to meet evolving customer needs.
Founded in 1897, CTRY BK HLDG CO/SH has grown from a single-town savings institution into a multi-branch regional bank. Over the decades, the company has expanded its footprint through strategic branch openings and selective acquisitions, broadening its service area while maintaining a commitment to local decision-making and relationship-oriented banking. This growth strategy has allowed the company to deepen its presence in core rural and small-town markets, supporting local economic development and serving the financial needs of families, farmers and small businesses.
Country Bank, the holding company’s primary subsidiary, offers a full suite of lending products, including commercial real estate loans, agricultural lines of credit, auto and equipment financing, as well as residential mortgage and home equity lending. In addition to traditional banking services, the company provides trust and investment services via in-house advisors, helping clients manage wealth, plan for retirement and navigate estate planning. The bank also partners with national payment networks to offer merchant processing and business debit card programs to its commercial clientele.
Headquartered in Smithville, Tennessee, CTRY BK HLDG CO/SH serves communities across several counties in western Tennessee and northern Mississippi. Its leadership team is led by President and Chief Executive Officer John A. Williams, who has guided the company’s strategic expansion over the past decade. The board of directors comprises local business leaders, agricultural producers and financial experts, all of whom oversee corporate governance and ensure the company’s operations align with its community banking heritage and long-term growth objectives.
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