Citizens Savings Bank & Trust Co. is Memphis’s oldest minority-led community bank, offering full-service personal, business, and mortgage banking with deep local roots and trusted customer service.

Southern Bancorp is a $2.8B CDFI bank rooted in the Mid-South. It offers banking, lending, advocacy, and financial development services to underserved communities, balancing profit with purpose as a certified B Corp and longstanding catalyst for inclusive economic growth.

CDMI (Credit Debt Management Institute, Inc.) is a nonprofit financial services organization led by industry expert Dr. Michael C. Grayson. CDMI specializes in rapid credit restoration, debt filtration, and credit-building education to empower individuals and small businesses nationwide.