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Citizens Bank & Trust Co.
Marks, MS · FDIC Certificate #9777 · Chartered 08/1
Total assets
$98.55M
Total deposits
$83.05M
Total equity
$14.05M
Net loans
$69.08M
Branches (offices)
2
Net income (YTD)
$468.00K
Rank: #3,684 of 4,213 U.S. banks by assets · #54 of 57 in Mississippi. Assets changed -1.5% and deposits -2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 6.73% |
| Net interest margin (YTD) | 5.48% |
| Equity to assets | 14.25% |
| Tier 1 leverage ratio | 14.00% |
| Uninsured deposits (share of deposits) | 25.8% |
| Noncurrent loans (share of loans) | 5.50% |
| Net charge-offs (share of loans) | 0.72% |
| Loans to deposits | 83.2% |
| Real estate loans (share of loans) | 50.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $34.95M | 50.6% | |
| Commercial & industrial | $5.53M | 8.0% | |
| Consumer / individual | $2.47M | 3.6% | |
| Construction & development | $1.73M | 2.5% | |
| Agricultural | $27.72M | 40.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $131.04M | $109.87M | $131.00K | $9.86M |
| Jun 2023 | $107.66M | $87.80M | $528.00K | $11.51M |
| Jun 2024 | $105.61M | $83.33M | $429.00K | $13.11M |
| Jun 2025 | $100.02M | $85.03M | $433.00K | $13.38M |
| Jun 2026 | $98.55M | $83.05M | $468.00K | $14.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $83.05M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $83.05M.
Similar-sized banks
Peoples Exchange Bank ($98.58M) · Bank Of Walker County ($98.54M)
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.
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