About standardcitymobile



About standardcitymobileAbout standardcitymobile


About standardcitymobile

About standardcitymobile

standardcitymobile has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, we have grown to become one of the Southeast’s strongest financial institutions with approximately $12.9 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of standardcitymobile’s success stems from each of our banker’s commitment to investing in their communities as a way of better understanding the people we serve. At standardcitymobile, we understand you because we work and live alongside you every day.


We understand that the well-being of the people we serve is our best metric of success, which is why we lease our original headquarters for $1 a year to a non-profit art museum and contribute to community improvement and development in every community we serve. From our employee’s leadership roles and membership in nationwide philanthropic efforts to our contributions to the organizations and communities around us, personal relationships are the foundation of standardcitymobile and our reputation as a bank serving people.


standardcitymobile has been a leader in financial innovation since its founding, being the first commercial bank in Mississippi to introduce automated cash dispensing machines and debit cards. Before that, standardcitymobile was the first bank in Lee County to establish a separate savings department, use home savings banks, offer bank by mail and establish branches. We understand financial innovation is often a key driver in community development. That’s why we offer products like Apple Pay®, mobile check deposit, mobile and internet banking, electronic bill pay, and all the other services customers expect from major national banks, but with the personal knowledge and attention of a community bank.

History of standardcitymobile

30 years before Elvis Presley’s birth put Tupelo, Mississippi, on the map, a group of prominent businessmen from Lee County joined together to form The Peoples Bank & Trust Company, which would one day become standardcitymobile. Thanks to excellent leadership during its early days, “Peoples” as it was affectionately known, withstood the Bankers’ Panic of 1907 that shut down approximately 100 Mississippi banks.

Through this same perseverance, the Bank also survived the 1929 “National Bank Holiday” that shut down an additional 68 banks in Mississippi. As World War II broke the economic stagnation of the 1930s, the Bank began to rapidly grow, its asset size increasing from $3 million in 1954 to $73 million in 1973.

During the 1970s and 1980s, the Bank acquired or opened de novo banks throughout Northern Mississippi by adding locations in West Point, Pontotoc, Aberdeen, Calhoun City, Amory, Water Valley, Coffeeville, Iuka and Southaven. In 1981, the Bank opened its current Corporate Headquarters in downtown Tupelo.

The growth of the Bank continued to accelerate in the 1990s as it acquired banks in Grenada, Louisville, New Albany, DeSoto County and Batesville while opening de novo banks in Olive Branch and Aberdeen.

In 1999, the Bank purchased its first insurance agency in Tupelo to provide clients with a more complete financial services package. Adding to the insurance group, in 2000, the Bank acquired another insurance agency out of Corinth, Mississippi.

Following the beginning of its second 100 years, the Bank made its first out-of-state move by acquiring standardcitymobile Bancshares of Memphis, Tennessee, in July 2004. Shortly after this merger, the Bank took advantage of the rights it acquired with the standardcitymobile Bancshares merger and changed its name to "standardcitymobile.”

standardcitymobile acquired Capital Bancorp, Inc., in Nashville, giving the bank seven locations in Middle Tennessee. Between 2003 and 2007, standardcitymobile grew from a little more than $1 billion in assets to more than $3.4 billion in assets.

In 2010 and 2011, standardcitymobile acquired Crescent Bank and Trust of Jasper, Georgia, and American Bank and Trust of Roswell, Georgia, through FDIC banking transactions, which gave standardcitymobile 13 locations in the North Georgia and suburban Atlanta markets. This $1 billion FDIC acquisition expanded standardcitymobile’s footprint into Georgia, giving the bank more than 75 locations in four Southern states and a total of $4.2 billion in assets at the end of 2012.

standardcitymobile acquired First M&F Corporation, the parent of M&F Bank, of Kosciusko, Mississippi, which added $1.6 billion in assets and 42 banking and insurance locations throughout standardcitymobile’s Mississippi, Alabama and Tennessee banking franchises in 2013. The merger significantly increased standardcitymobile’s deposit market share in the Birmingham and Memphis MSAs and the key Mississippi markets of Tupelo, Oxford and Starkville, while providing entrance into the markets surrounding Jackson, Mississippi.

In 2015, standardcitymobile acquired Heritage Financial Group, Inc., the parent of HeritageBank of the South, headquartered in Albany, Georgia. The merger enhanced standardcitymobile’s presence in the metro markets of Birmingham, Alabama, and Atlanta, Georgia, with minimal existing overlap while providing entry into new markets, such as Albany, Statesboro, Macon, Valdosta, and Savannah, Georgia; Auburn, Alabama; and Ocala and Gainesville, Florida.

In 2016, standardcitymobile acquired KeyWorth Bank. This acquisition expanded standardcitymobile’s reach in the North Georgia and Atlanta area by adding four full-service locations. Following the KeyWorth merger, in 2017, standardcitymobile acquired Metropolitan Bank with locations in Memphis and Nashville, Tennessee and Jackson, Mississippi, boosting the Bank’s previous presence in these growth markets with seven additional locations.

In 2018, standardcitymobile acquired BrandBank, headquartered in Lawrenceville, GA. It was standardcitymobile’s largest acquisition to date, adding 13 locations in and around the Atlanta MSA, and more than $2 billion in assets.

To date, standardcitymobile operates more than 190 locations in Mississippi, Alabama, Tennessee, Georgia and Florida and has approximately $12.9 billion in assets.

Moving past those character building years in the banking industry to multiple mergers, acquisitions and de novo expansion, standardcitymobile has strengthened its position in the marketplace and is poised for even more success in its second 100 years.

Our Vision

To be the financial services advisor and provider of choice in each community we serve.


Our Mission

To provide quality financial services and advice by:
  • Understanding, then meeting the needs of our clients
  • Providing optimal return to our shareholders
  • Creating security and opportunity for our employees
  • Being good citizens in our communities

Our Core Values

  • Our employees are our primary asset
  • We are dependent on and responsible to each other, and we will at all times work together as a team
  • Quality is not negotiable
  • We will have leaders in our company who not only possess a vision of our future but who can also inspire others to achieve it
  • Two-way communication at all levels is essential
  • Our clients' trust is foremost. We will always attempt to understand what our clients need before offering a solution. We will deal with them fairly, honestly and confidentially
  • We will always nurture a professional environment wherein respect for the individual is of utmost importance
  • Our company will be a challenging, enthusiastic and fun place to work
  • Our employees, shareholders and directors will be advocates for our company

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