BanksCITIZENS BANK

CITIZENS BANK

COLUMBIA, MSSmallEst. July 15, 1914, midnightFDIC #324RSSD #514132FDIC
Latest · 2025-12-31

CITIZENS BANK is an FDIC-insured commercial bank headquartered in COLUMBIA, MS, established in July 15, 1914, midnight. As of 2025-12-31, the bank reported total assets of $470M and total deposits of $405M. Profitability stands at 1.73% ROA and 13.79% ROE, with a net interest margin of 5.29%. CET1 capital ratio: 21.61%, well above regulatory minimums. NPL ratio: 0.35% · Texas Ratio: 1.87%. Operates 8 domestic branches.

Assets
$470M
Deposits
$405M
Loans
$300M
Equity
$60M

Profitability

Return on Assets (ROA)1.73%
Return on Equity (ROE)13.79%
Net Interest Margin5.29%
Yield on Assets6.40%
Cost of Funds1.18%

Asset Quality

NPL Ratio0.35%
Net Charge-Off Ratio0.39%
Texas Ratio1.87%
NPA Ratio0.25%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio21.61%
Tier 1 Capital21.61%
Total Capital Ratio22.86%
Leverage Ratio13.28%
Loan-to-Deposit74.20%

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