Britton & Koontz Capital Corporation is the holding company for Britton & Koontz First National Bank, a national banking association headquartered in Natchez, Mississippi (the Bank). The Bank conducts a full-service banking business from its main office and three branch offices in Natchez, Mississippi, one branch in Vicksburg, Mississippi and three branch offices in Baton Rouge, Louisiana. The Company also operates B&K Title Insurance Agency, Inc., a title insurance provider and Sumx Inc., which develops and markets Internet-based electronic banking to financial institutions.