BankFirst Capital Corporation

BankFirst Capital Corporation is the bank holding company for BankFirst Financial Services, offering a wide range of banking and financial services to individual and corporate customers in Mississippi and Alabama. Its products include personal and business checking and savings accounts, certificates of deposit (CDs), and money market accounts. The company also provides home mortgages, construction loans, home equity loans, auto loans, boat and recreational vehicle loans, personal loans, business term loans, equipment loans, commercial real estate loans, agricultural loans, and SBA lending services. Additionally, it offers business lines of credit, debit and credit cards, and various digital banking services such as online and mobile banking, positive pay, direct deposit, ACH transfers, e-statements, bill pay, remote deposit capture, merchant card processing, and overdraft protection. Wealth management services include financial planning, investment management, and retirement income planning. Other services include cashier's checks, safe deposit boxes, wire transfers, ATM services, night depository, pre-authorized debit, bank by mail, drive-thru teller, notary, telephone banking, and fax services.

BankFirst Capital Corporation trades on the OTC Markets OTCQX exchange under the ticker symbol BFCC. The OTCQX is a premium tier of the over-the-counter (OTC) markets, designed for established, investor-focused U.S. and international companies. All transactions for BFCC are conducted in U.S. dollars (USD), reflecting the company's operations based in the United States. Investors can buy and sell shares through brokerage accounts that support OTC trading.

BankFirst Capital Corporation operates in the Financial Services sector, specifically within the Banks - Regional industry. As a regional bank holding company, it focuses on providing traditional banking services to local communities in Mississippi and Alabama. Regional banks like BankFirst typically serve a defined geographic area, offering a mix of retail and commercial banking products. This classification distinguishes it from larger national banks or specialized financial institutions, emphasizing its role in supporting local economies through lending, deposit-taking, and wealth management services.

BankFirst Capital Corporation is headquartered in Columbus, Mississippi, United States. Founded in 1888, the company serves customers in Mississippi and Alabama through its subsidiary, BankFirst Financial Services. Its market focus is regional, catering to both individual and corporate clients in these two states. The bank's long history in the region underscores its deep roots and commitment to local communities. Services are delivered through physical branches, ATMs, and digital channels, ensuring accessibility for customers across its service area.

BankFirst Capital Corporation generates revenue primarily through interest income from its lending activities. The bank offers a diverse loan portfolio including home mortgages, construction loans, home equity loans, auto loans, boat and recreational vehicle loans, personal loans, business term loans, equipment loans, commercial real estate loans, agricultural loans, and SBA loans. Additionally, it earns non-interest income from fees associated with deposit accounts, debit and credit cards, merchant card processing, overdraft protection, and wealth management services such as financial planning and investment management. Other fee-based services include cashier's checks, safe deposit boxes, wire transfers, and various digital banking features. The combination of interest and fee income forms the core of its business model, typical for a regional bank holding company.