Banks in Coldwater, MS

Bank branch map: Coldwater

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 1 institution operates 2 locations in Coldwater, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Coldwater

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: BankFirst Financial Services is the only bank with offices in Coldwater, with 2. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

BankFirst Financial Services 2 branches · main office Columbus, MS Bank · 2

BankFirst Financial Services has 2 branches in Coldwater, 36 across Mississippi and 51 nationwide. FDIC records list its main office in Columbus, MS and show it operating since 1888. With $3.31 billion in total assets on June 30, 2026, it ranks No. 388 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Coldwater location is the Coldwater Branch at 409 Central Ave, dating to 1927; the newest, at 5825 Highway 305, to 1974. It does not publish hours in the sources this page uses; check its site before you go.

• Coldwater Branch

  409 Central Ave, 38618

  Hours: see the bank's site
  DirectionsWebsite
• Independence Branch

  5825 Highway 305, 38618

  Hours: see the bank's site
  DirectionsWebsite

BankFirst Financial Services: profile, branches and contacts

Banking in Coldwater: the local picture

Short answer: 1 bank runs 2 branches in Coldwater according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

BankFirst Financial Services has its main office in Columbus, MS, according to the FDIC.

The bank with the longest record here is BankFirst Financial Services, operating since 1888 according to the FDIC. In FDIC branch records, the longest-running branch is BankFirst Financial Services's office at 409 Central Ave, dating to 1927; the newest is BankFirst Financial Services's at 5825 Highway 305, from 1974.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Coldwater, and where the nearest one is if they do not.

Short answer: No branches in Coldwater: Chase (nearest in Hernando, 10 mi), Wells Fargo (nearest in Southaven, 19 mi), Bank of America, PNC Bank, U.S. Bank, Truist (nearest in Southaven, 19 mi), Fifth Third Bank, Huntington (nearest in Senatobia, 6 mi), Regions Bank (nearest in Senatobia, 6 mi), TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Coldwater to the nearest branch in Mississippi.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Coldwater residents like anyone else.

Banks near Coldwater

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Senatobia (6 miles) and Hernando (10 miles). Southaven, 18 miles away, has the most banks nearby: 21.

Bank branch openings and closings in Coldwater

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Coldwater between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Coldwater by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Coldwater offices.

Short answer: BankFirst Financial Services is the largest bank with offices in Coldwater, with $3.31 billion in total assets on June 30, 2026, No. 388 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Coldwater: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.