List of Consolidated and Unconsolidated Subsidiaries of First M & F Corporation

Summary

This document lists the subsidiaries of First M & F Corporation, including both consolidated and unconsolidated entities. It details each subsidiary's business line, jurisdiction, ownership percentage, and parent company. The consolidated subsidiaries are primarily based in Mississippi and include banking, insurance, real estate, and financial services entities, all majority-owned by Merchants and Farmers Bank. The unconsolidated subsidiary is a Delaware trust used for financing purposes. The document serves as a disclosure of the corporate structure and ownership interests for regulatory or reporting purposes.

EX-2.1 3 fm9235ex21.htm EXHIBIT 2.1

Exhibit 21

CONSOLIDATED SUBSIDIARIES OF THE COMPANY

Subsidiary	Business Line	Jurisdiction	% Ownership	Owner

Merchants and Farmers Bank	Commercial Bank	Mississippi	100	First M & F Corporation

M & F Financial Services, Inc.	Finance Company (inactive)	Mississippi	100	Merchants and Farmers Bank

First M & F Insurance Company, Inc.	Life Insurance Company	Mississippi	100	Merchants and Farmers Bank

M & F Insurance Agency, Inc.	Insurance Agency	Mississippi	100	Merchants and Farmers Bank

M & F Insurance Group, Inc.	Insurance Agency	Mississippi	100	Merchants and Farmers Bank

Merchants and Farmers Bank Securities Corporation	Real Estate	Mississippi	100	Merchants and Farmers Bank

M & F Business Credit, Inc.	Asset-Based Lending	Mississippi	100	Merchants and Farmers Bank

Merchants Financial Services Group, LLC	Accounts Receivable Factoring	Mississippi	51	Merchants and Farmers Bank

MS Statewide Title, LLC	Title Insurance Agency	Mississippi	55	Merchants and Farmers Bank

UNCONSOLIDATED SUBSIDIARIES OF THE COMPANY

Subsidiary	Business Line	Jurisdiction	% Ownership	Owner

First M&F Statutory Trust I	Trust Preferred Security Financing Entity	Delaware	100	First M & F Corporation