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Confidence in Uncertain Times

Strength, Stability, Confidence

About 140 years ago, in the back of a hardware store in Verona, Mississippi, a new approach to banking was born. It was a new approach based on the principle that neighbors, should help neighbors and that to better serve a customer is to understand and value what is right for that customer.

BancorpSouth has managed our company to be a strong, consistently performing, and fiscally conservative bank that has served customers’ needs for generations. In addition to assisting with your financial needs, we:

  • Provide safeguards for your deposits
  • Make responsible loans
  • Give shareholders a reasonable return for their investments

BancorpSouth's History

    Since our beginnings in 1876, we have grown from operating in a hardware store in Verona, Mississippi, to 257 commercial banking, mortgage, insurance, trust and broker/dealer locations with approximately $13.2 billion in assets across eight states.

BancorpSouth's Stability

    On July 15, 2008, on its website, BusinessWeek “Focus Stock” quoted Standard and Poor’s Equity Research: “We consider BancorpSouth to be one of the strongest midcap financial institutions that we cover, based on historical, current and expected trends in lending profits, credit quality and fee-income growth. We believe this southeastern regional bank’s credit quality is near the top of the industry, and we think it will remain relatively high because the company operates in an attractive service territory, in our view, and has not engaged in high-risk lending practices or held similarly risky securities.”

    For the past 25 years, BancorpSouth has increased the cash dividends we pay our shareholders each year. 

    On September 23, 2008, BancorpSouth was added to the S&P MidCap 400 index, which is one of the most widely used stock market indices for mid-sized companies. It covers 7% of the U.S. equities markets and is comprised of companies that meet several areas of specific criteria, including financial viability.

    On January 6, 2010, Forbes.com ranked BancorpSouth as the 24th "Best Bank in America.” Click here for the complete rankings.

    BancorpSouth is FDIC-insured.

    Standard FDIC Insurance Increased to $250,000.

    The standard FDIC insurance amount was permanently increased to $250,000 per depositor in July 2010.

    BancorpSouth is an FDIC-insured bank, as outlined in our brochure “Your Insured Deposits, FDIC’s Guide to Deposit Insurance.” There are also brochures and other tools available through FDIC’s website, www.fdic.gov, which customers may find useful. These resources include, but are not limited to, the following:

  • “Insuring Your Deposits” – Brochure
  • The Edie Program (helps consumers calculate all deposits at various institutions to determine overall coverage: www.fdic.gov/edie/

Notice of Changes

    Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

    All funds in “noninterest-bearing transaction accounts” and interest on lawyers trust accounts (IOLTA) were insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage was in addition to, and separate from, the coverage of at least $250,000, available to depositors under the FDIC’s general deposit insurance rules.

    The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. Excluding IOLTAs, it does not include any other accounts, such as traditional checking accounts or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

    For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Helpful Links

    BancorpSouth Press Release – S&P MidCap 400

    American Bankers Association – ABA Safety and Soundness page

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