CITIZENS BANK AND TRUST COMPANY

MARKS, MS | Small | Est. Aug. 17, 1917, midnight | FDIC #9777 | RSSD #729945 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MARKS, MS, established in Aug. 17, 1917, midnight. As of 2025-12-31, the bank reported total assets of $101M and total deposits of $86M. Profitability stands at 0.64% ROA and 4.59% ROE, with a net interest margin of 5.14%. The bank's CET1 capital ratio is 17.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.04% and a Texas Ratio of 5.13%. FDIC Certificate #9777.

Assets

$101M

Deposits

$86M

Loans

$64M

Equity

$14M

Profitability

Return on Assets (ROA) 0.64%
Return on Equity (ROE) 4.59%
Net Interest Margin (NIM) 5.14%
Yield on Assets 6.53%
Cost of Funds 2.16%

Asset Quality

NPL Ratio 1.04%
Net Charge-Off Ratio 0.20%
Texas Ratio 5.13%
NPA Ratio 0.80%
ACL / Loans 3.21%

Capital & Liquidity

CET1 Ratio 17.24%
Tier 1 Capital 17.24%
Total Capital Ratio 18.50%
Leverage Ratio 14.05%
Loan-to-Deposit 74.53%

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