Citizens Bank (Columbia, MS)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank is an FDIC-insured commercial bank headquartered in Columbia, MS, established in 1914 (FDIC certificate 324), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $466.3M, down 2.6% from Q2 2025, the 28th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 21.98% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 324
- Headquarters
- Columbia, MS
- Established
- 1914
- Total assets, Q2 2026
- $466.3M
- Assets vs Q2 2025
- -2.6%
- CET1 ratio, Q2 2026
- 21.98%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 065304385
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank call report
- Holding company
- CITIZENS CORPORATION
- Asset rank in state
- 28th of 57 in Mississippi
Citizens Bank is one of the more profitable banks of its size. Its balance sheet stood at $466 million at June 30, 2026, down 2.6% from a year earlier; it is based in Columbia, Mississippi. It earns about $2.46 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.12 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Its $32 million commercial and industrial book is improving, with 1.94% past due or on nonaccrual, down from 3.87% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 1.3% and deposits fell 4.1%.
As of June 30, 2026, Citizens Bank reported a CET1 capital ratio of 21.98%, a return on assets of 2.46%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.91%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, Citizens Bank is the 28th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.1% to $466.3M, loans fell 0.4% and deposits fell 5.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.2% of total loans, followed by owner-occupied commercial real estate loans at 19.6%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in MS; its Columbia 2 offices book 54% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 814 Main St, Columbia, MS 39429
- County
- Marion
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 15, 1914
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 114
- Domestic deposits
- $401.3M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $394K
- Average total assets
- $473.1M
- Average total loans
- $297.0M
- Average interest-bearing deposits
- $308.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 324
- Fed RSSD
- 514132
- Website
- www.citizensbk.com →
- Parent Holding Company
- CITIZENS CORPORATION (RSSD 1246681)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank's total assets ran between $442.2M (Q3 2023) and $486.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$466.3M total assets against $478.8M; $406.5M total liabilities against $423.0M.
$293.8M net loans and leases against $290.0M; $401.3M total deposits against $418.4M.
$95.8M securities against $79.2M; $52.8M cash and balances due against $85.9M.
$6.8M total interest income against $6.8M; $1.1M total interest expense against $1.3M.
$5.8M net interest income against $5.5M.
$1.1M total noninterest income against $1.1M; $3.8M total noninterest expense against $3.8M.
$183K provision for credit losses against $172K.
$2.9M net income against $2.7M.
2.46% return on assets against 2.25%; 5.12% net interest margin against 4.90%.
21.98% CET1 capital ratio against 21.14%; 13.48% tier 1 leverage ratio against 12.84%.
Inside the full Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank rankings
Its closest position to the top of a national ranking is 174 of 3,611, for ROA; its furthest is 2,293 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.11% (Q4 2024) to 2.46% (Q2 2026) and its net interest margin ran from 4.65% (Q1 2025) to 5.12% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.98% | 2.46% | 0.33% | 1.91% | 5.12% |
| Q1 2026 | 20.90% | 2.33% | 0.35% | 2.03% | 4.98% |
| Q4 2025 | 21.61% | 1.72% | 0.60% | 3.07% | 5.10% |
| Q3 2025 | 22.07% | 2.30% | 0.46% | 2.42% | 4.92% |
| Q2 2025 | 21.14% | 2.25% | 0.64% | 3.48% | 4.90% |
| Q1 2025 | 20.21% | 1.88% | 0.49% | 2.92% | 4.65% |
| Q4 2024 | 20.75% | 1.11% | 0.45% | 3.03% | 4.83% |
| Q3 2024 | 20.43% | 2.25% | 0.70% | 5.86% | 4.79% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank (main office) | Columbia , MS | 39429 | $152.4M |
| Tylertown Branch | Tylertown , MS | 39667 | $73.7M |
| Park Avenue Branch | Columbia , MS | 39429 | $65.6M |
| Sumrall Branch | Sumrall , MS | 39482 | $33.5M |
| Bellevue Branch | Hattiesburg , MS | 39402 | $29.0M |
| Magnolia Branch | Magnolia , MS | 39652 | $26.4M |
| Seminary Branch | Seminary , MS | 39479 | $11.6M |
| Citizens Bank-Laurel Branch | Laurel , MS | 39440 | $9.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 11, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 11, 1999 | Structure Change | Acquired Walthall Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MS, rank 33 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 368 applications, 323 loans originated, $38.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $108K approved, $108K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank
What are Citizens Bank's total assets?
As of the Q2 2026 filing, Citizens Bank reported total assets of $466.3 million in its FFIEC call report.
Where is Citizens Bank headquartered?
It is headquartered in Columbia, MS, United States.
When was Citizens Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank?
Citizens Bank's primary federal regulator is the FDIC.
What is Citizens Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank's Texas Ratio?
Its Texas Ratio is 1.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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