Citizens Bank
Total assets
$466.3M
▼ -2.6% YoY
Deposits
$401.3M
▼ -4.1% YoY
Loans
$293.8M
▲ +1.3% YoY
Offices
8
CITIZENS CORP
ROA (annualized)
2.40%
peers 1.24%
ROE (annualized)
19.17%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +4.4% | -7.0 pts |
| Deposit growth (YoY) | -4.1% | +4.0% | -8.0 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 2.40% | 1.24% | +1.2 pts |
| ROE | 19.2% | 11.9% | +7.3 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
Profile
- Established
- 1914
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CITIZENS CORP
- Specialization
- All Other Under 1 Billion
- Address
- 814 Main St, Columbia, MS, 39429
- County
- Marion
- Offices
- 8
- FDIC cert #
- 324
- RSSD ID
- 514132
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $466.3M | $401.3M | $293.8M | $59.8M | $5.7M | 2.40% | 5.11% | 0.26% |
| Q1 2026 | $486.2M | $423.3M | $294.8M | $58.4M | $2.8M | 2.33% | 5.00% | 0.26% |
| Q4 2025 | $470.1M | $404.8M | $296.5M | $60.1M | $9.7M | 2.04% | 4.96% | 0.42% |
| Q3 2025 | $480.9M | $416.7M | $295.5M | $59.5M | $7.6M | 2.14% | 4.87% | 0.32% |
| Q2 2025 | $478.8M | $418.4M | $290.0M | $55.8M | $4.9M | 2.05% | 4.81% | 0.43% |
| Q1 2025 | $474.8M | $416.1M | $298.8M | $54.3M | $2.2M | 1.87% | 4.70% | 0.36% |
| Q4 2024 | $469.3M | $408.9M | $299.1M | $55.1M | $8.5M | 1.85% | 4.81% | 0.38% |
| Q3 2024 | $477.4M | $416.8M | $297.5M | $55.3M | $7.2M | 2.10% | 4.76% | 0.73% |
Loan mix (Q2 2026): real estate $243.8M · commercial $32.1M · consumer $17.1M · securities $95.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.40% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.11% | 3.96% | 93th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 62.9% | 28th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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