Madison County Financial, Inc. is a bank holding company headquartered in Ridgeland, Mississippi, whose primary subsidiary is Madison County Bank. With roots tracing back to the early 20th century, the company has evolved into a community-focused financial institution serving individuals, families and businesses throughout central Mississippi. Its emphasis on local decision-making and relationship banking underpins its longstanding regional presence.
The company’s core operations encompass a comprehensive range of deposit and lending products. Madison County Bank offers consumer and business deposit accounts, including checking, savings and time deposits, alongside commercial real estate, construction, agricultural, mortgage and consumer loans. Dedicated loan officers work closely with clients to structure credit facilities that align with specific financial objectives.
Beyond traditional banking, Madison County Financial has expanded into wealth management, trust services and treasury management. Its advisory teams provide investment management, financial planning, fiduciary solutions and retirement services, while its treasury management platform helps commercial clients optimize cash flow, payments and collections. These diversified offerings enable the company to address a broad spectrum of client needs under one institutional umbrella.
Governed by a board of directors and executive leadership with deep roots in community banking, Madison County Financial maintains a strong focus on personalized service, regulatory compliance and responsible growth. Through a network of branch locations, digital banking channels and local decision-making authority, the company continues to adapt to evolving customer preferences while preserving its mission of supporting the economic vitality of central Mississippi.
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