Advertisement
Citizens Bank
Columbia, MS · FDIC Certificate #324 · Chartered 07/1
Total assets
$466.26M
Total deposits
$401.33M
Total equity
$59.77M
Net loans
$293.79M
Branches (offices)
8
Net income (YTD)
$5.70M
Rank: #1,866 of 4,213 U.S. banks by assets · #28 of 57 in Mississippi. Assets changed -2.6% and deposits -4.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.40% |
| Return on equity | 19.17% |
| Net interest margin (YTD) | 5.11% |
| Equity to assets | 12.82% |
| Tier 1 leverage ratio | 13.48% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 73.2% |
| Real estate loans (share of loans) | 83.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $243.83M | 83.0% | |
| Commercial & industrial | $32.06M | 10.9% | |
| Consumer / individual | $17.11M | 5.8% | |
| Construction & development | $11.19M | 3.8% | |
| Agricultural | $3.39M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $501.14M | $452.76M | $3.63M | $43.87M |
| Jun 2023 | $445.11M | $395.62M | $4.57M | $44.57M |
| Jun 2024 | $454.05M | $396.49M | $4.62M | $52.57M |
| Jun 2025 | $478.78M | $418.40M | $4.87M | $55.82M |
| Jun 2026 | $466.26M | $401.33M | $5.70M | $59.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $401.33M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $401.33M.
Similar-sized banks
First National Bank In New Bremen ($467.06M) · Willamette Valley Bank ($465.42M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement