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This was costly to the community. One year after the bank failed, Banks helped to create a new Mound Bayou State Bank that met with state requirements and struggled to pay off investors from its earlier debts.
Closely intertwined with the bank was Banks' next greatest adventure, the Mound Bayou Oil Mill...
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Banks designed the cotton oil mill as an all-black enterprise that brought in modest investments of African American families who could purchase shares at one dollar apiece. The careful Banks reconstructed his financial dealings, and his desperate efforts to keep both bank and mill in the money, showed how easily broken the black business was...
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