Citizens Bank and Trust Company (Marks, MS)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank and Trust Company is an FDIC-insured commercial bank headquartered in Marks, MS, established in 1917 (FDIC certificate 9777), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $98.6M, down 1.5% from Q2 2025, the 54th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 16.95% 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
- 9777
- Headquarters
- Marks, MS
- Established
- 1917
- Total assets, Q2 2026
- $98.6M
- Assets vs Q2 2025
- -1.5%
- CET1 ratio, Q2 2026
- 16.95%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 084204709
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank and Trust Company call report
- Holding company
- CB&T BANCSHARES, INC.
- Asset rank in state
- 54th of 57 in Mississippi
Problem loans are rising at Citizens Bank and Trust Company. The Marks, Mississippi bank had $99 million in assets at June 30, 2026, down 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.50% of loans from 4.74% a year earlier. It keeps 5.38 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it carries problem assets equal to 25.4% of the capital and reserves that would absorb them, 18.4 times the median of 1.4% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 3.7% and deposits fell 2.3%.
As of June 30, 2026, Citizens Bank and Trust Company reported a CET1 capital ratio of 16.95%, a return on assets of 0.94%, a nonperforming-loan ratio of 5.50% and a Texas ratio of 25.43%. The figures come from its call report filed with the FFIEC.
Citizens Bank and Trust Company ranks as the 54th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 6.5% to $98.6M, loans rose 10.1% and deposits fell 6.9%. Its loan book on June 30, 2026 was led by agricultural production loans, at 39.1% of total loans, followed by 1-4 family residential loans at 20.1%. The FDIC Summary of Deposits lists 2 offices for it, in Marks, MS and Tunica, MS; its Marks office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 239 E Main St, Marks, MS 38646
- County
- Quitman
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 17, 1917
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $83.0M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $241K
- Average total assets
- $100.3M
- Average total loans
- $68.1M
- Average interest-bearing deposits
- $58.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9777
- Fed RSSD
- 729945
- Website
- www.cbt-co.com →
- Parent Holding Company
- CB&T BANCSHARES, INC. (RSSD 2605249)
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 and Trust Company's total assets ran between $96.6M (Q3 2025) and $109.0M (Q4 2023), 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
$98.6M total assets against $100.0M; $84.5M total liabilities against $86.6M.
$69.1M net loans and leases against $66.5M; $83.0M total deposits against $85.0M.
$12.6M securities against $9.1M; $7.6M cash and balances due against $15.1M.
$1.6M total interest income against $1.6M; $341K total interest expense against $376K.
$1.2M net interest income against $1.2M.
$170K total noninterest income against $178K; $1.1M total noninterest expense against $1.0M.
$10K provision for credit losses against $0.
$235K net income against $233K.
0.94% return on assets against 0.89%; 5.38% net interest margin against 4.95%.
16.95% CET1 capital ratio against 16.21%; 14.00% tier 1 leverage ratio against 12.84%.
Inside the full Citizens Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Citizens Bank and Trust Company rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q4 2025) to 1.56% (Q3 2025) and its net interest margin ran from 4.60% (Q1 2025) to 6.52% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.95% | 0.94% | 5.50% | 25.43% | 5.38% |
| Q1 2026 | 17.81% | 0.83% | 4.45% | 19.08% | 4.85% |
| Q4 2025 | 17.24% | 0.64% | 5.59% | 23.58% | 5.29% |
| Q3 2025 | 16.84% | 1.56% | 4.42% | 20.13% | 6.52% |
| Q2 2025 | 16.21% | 0.89% | 4.74% | 22.10% | 4.95% |
| Q1 2025 | 16.77% | 0.71% | 4.11% | 18.81% | 4.60% |
| Q4 2024 | 15.62% | 1.39% | 3.56% | 16.17% | 4.65% |
| Q3 2024 | 14.92% | 1.07% | 3.79% | 18.38% | 4.97% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 & Trust Co. | Marks , MS | 38646 | $49.8M |
| Tunica Branch | Tunica , MS | 38676 | $33.2M |
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 |
|---|---|---|---|
| March 18, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 18, 1992 | Structure Change | Acquired Northwest 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
- <0.1% of deposits in MS, rank 69 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 25 applications, 20 loans originated, $1.0M originated, across 2 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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 and Trust Company
What are Citizens Bank and Trust Company's total assets?
As of the Q2 2026 filing, Citizens Bank and Trust Company reported total assets of $98.6 million in its FFIEC call report.
Where is Citizens Bank and Trust Company headquartered?
It is headquartered in Marks, MS, United States.
When was Citizens Bank and Trust Company founded?
It was established in 1917, per the FDIC institution directory.
Is Citizens Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank and Trust Company?
Citizens Bank and Trust Company's primary federal regulator is the FDIC.
What is Citizens Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.95% 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 and Trust Company operate?
It operates 2 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 25.43% 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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