Citizens Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 31.28 percentage points in Q2 2026, from 89.29% to 120.56%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Citizens Bank and Trust Company is 44th of 57 on return on assets, 0.94% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Citizens Bank and Trust Company sits 0.05 points lower, at 0.94% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.95% |
| Tier 1 risk-based capital ratio | 16.95% |
| Total risk-based capital ratio | 18.21% |
| Tier 1 leverage ratio | 14.00% |
| Equity capital to assets | 14.25% |
| Tangible equity to tangible assets | 14.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.20% |
| Non-performing assets ratio | 1.73% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 27.08% |
| Allowance for credit losses to loans | 2.65% |
| Reserve coverage of non-performing loans | 120.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.94% |
| Return on equity | 6.73% |
| Net interest margin | 5.38% |
| Efficiency ratio | 77.41% |
| Yield on earning assets | 6.88% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.45% |
| Core deposits to total deposits | 93.05% |
| Brokered deposits to total deposits | 3.21% |
| Deposits to assets | 84.27% |
| Securities to assets | 12.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.52% | 16.52% | 17.78% | 12.58% | 5.50% |
| Q4 2023 | 18.33% | 18.33% | 19.60% | 12.46% | 1.44% |
| Q1 2024 | 17.08% | 17.08% | 18.35% | 11.09% | 0.65% |
| Q2 2024 | 15.29% | 15.29% | 16.56% | 12.27% | 0.88% |
| Q3 2024 | 14.92% | 14.92% | 16.18% | 13.15% | 1.07% |
| Q4 2024 | 15.62% | 15.62% | 16.89% | 11.95% | 1.39% |
| Q1 2025 | 16.77% | 16.77% | 18.04% | 11.30% | 0.71% |
| Q2 2025 | 16.21% | 16.21% | 17.47% | 12.84% | 0.89% |
| Q3 2025 | 16.84% | 16.84% | 18.10% | 13.99% | 1.56% |
| Q4 2025 | 17.24% | 17.24% | 18.50% | 14.05% | 0.64% |
| Q1 2026 | 17.81% | 17.81% | 19.08% | 12.36% | 0.83% |
| Q2 2026 | 16.95% | 16.95% | 18.21% | 14.00% | 0.94% |
Citizens Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9777) · FFIEC NIC profile (RSSD 729945)