Banks in Water Valley, MS

Bank branch map: Water Valley

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: 3 banks and credit unions operate 4 locations in Water Valley, according to the FDIC. 4 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 Water Valley

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

Short answer: BankFirst Financial Services has the most locations in Water Valley, with 2. The other 2 each have a single office in the city. 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 Water Valley, 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 Water Valley location is the South Main Street Branch at 321 S Main St, dating to 2003; the newest, at 319 N Main St, to 2023. It does not publish hours in the sources this page uses; check its site before you go.

• Water Valley - Main Branch

  319 N Main St, 38965

  Hours: see the bank's site
  DirectionsWebsite
• South Main Street Branch

  321 S Main St, 38965

  Hours: see the bank's site
  DirectionsWebsite

BankFirst Financial Services: profile, branches and contacts

FNB Oxford Bank 1 branch · main office Oxford, MS Bank · 1

FNB Oxford Bank has 1 branch in Water Valley, 7 across Mississippi and 7 nationwide. FDIC records list its main office in Oxford, MS and show it operating since 1910. With $939.7 million in total assets on June 30, 2026, it ranks No. 1,106 of 4,232 U.S. banks by total assets. The Fnb Water Valley Branch at 400 North Main Street dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Fnb Water Valley Branch

  400 North Main Street, 38965

  Hours: see the bank's site
  DirectionsWebsite

FNB Oxford Bank: profile, branches and contacts

Renasant Renasant Bank · 1 branch · main office Tupelo, MS Bank · 1

Renasant has 1 branch in Water Valley, 89 across Mississippi and 266 nationwide. FDIC records list its main office in Tupelo, MS and show it operating since 1904. With $26.99 billion in total assets on June 30, 2026, it ranks No. 80 of 4,232 U.S. banks by total assets. The Water Valley Branch at 1100 Central St dates to 1882 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Water Valley Branch

  1100 Central St, 38965

  Hours: see the bank's site
  DirectionsWebsite

Renasant: profile, branches and contacts

Banking in Water Valley: the local picture

Short answer: 3 banks run 4 branches in Water Valley according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 3 banks, 0 have their main office in Water Valley, 3 elsewhere in Mississippi, 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 Renasant's office at 1100 Central St, dating to 1882; the newest is FNB Oxford Bank's at 400 North Main Street, from 2023.

None of the 4 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 Water Valley, and where the nearest one is if they do not.

Short answer: No branches in Water Valley: Chase (nearest in Hernando, 51 mi), Wells Fargo (nearest in Southaven, 59 mi), Bank of America, PNC Bank, U.S. Bank, Truist (nearest in Southaven, 59 mi), Fifth Third Bank, Huntington (nearest in Oxford, 15 mi), Regions Bank (nearest in Oxford, 15 mi), TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Water Valley 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 Water Valley residents like anyone else.

Banks near Water Valley

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

Short answer: The closest towns with more choice are Oxford (16 miles) and Bruce (19 miles). Oxford, 16 miles away, has the most banks nearby: 18.

Bank branch openings and closings in Water Valley

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

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

Largest banks in Water Valley by total assets

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

Short answer: Renasant is the largest bank with offices in Water Valley, with $26.99 billion in total assets on June 30, 2026, No. 80 among U.S. banks by total assets. BankFirst Financial Services is second with $3.31 billion. 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 Water Valley: FAQ

How we build this page

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