A Legacy of Banking & Investment Expertise

With a distinguished banking and investment career spanning over five decades, Billy Garrard brings extensive experience in financial management, investment strategy, and banking operations. Born and raised in the Mississippi Delta, Billy has dedicated his career to helping individuals, businesses, and financial institutions navigate the complexities of banking and wealth management.

Billy graduated from the University of Mississippi in 1972 with a degree in Banking and Finance. His banking career began the same year at The Bank of Anguilla, where he gained valuable industry insights. To further deepen his expertise, he completed advanced financial studies at:

✔ Mississippi Bankers Association School of Banking (University of Mississippi) – 1976
✔ School of Banking of the South (Louisiana State University) – 1980

Throughout his career, Billy has held executive leadership roles at several Mississippi banking institutions, including:

✔ Mississippi Southern Bank
✔ Citizens Bank & Trust Company
✔ Planters Bank & Trust Company

His roles ranged from Cashier and Vice President to Chief Operating Officer and President/CEO, where he managed bank bond portfolios and equity investments. His deep knowledge of financial markets and risk management has been instrumental in guiding clients toward stable, long-term financial success.