The Citizens Bank of Philadelphia
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Philadelphia is an FDIC-insured commercial bank headquartered in Philadelphia, MS, established in 1908 (FDIC certificate 12204), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.56B, down 5.2% from Q2 2025, the 10th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 12.38% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12204
- Headquarters
- Philadelphia, MS
- Established
- 1908
- Total assets, Q2 2026
- $1.56B
- Assets vs Q2 2025
- -5.2%
- CET1 ratio, Q2 2026
- 12.38%
- Domestic offices
- 26 FDIC institution directory, current count
- Routing number
- 065302154
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens Bank of Philadelphia call report
- Holding company
- CITIZENS HOLDING COMPANY
- Asset rank in state
- 10th of 57 in Mississippi
The Citizens Bank of Philadelphia, based in Philadelphia, Mississippi, reported $1.6 billion in assets at June 30, 2026, down 5.2% from a year earlier. It holds about a fifth of its deposits (17%) above the FDIC insurance limit, about half the median of 30.9% for the 880 banks with $1 billion to $10 billion in assets. On the other hand, it funds 9.11% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.49%).
Earnings jumped: net income for the quarter was $3.5 million, 66% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $62 million equal 45% of Tier 1 capital, down from 64% a year earlier. Costs are the weak spot: it spends about 69 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, The Citizens Bank of Philadelphia reported a CET1 capital ratio of 12.38%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 6.95%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, The Citizens Bank of Philadelphia is the 10th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $1.56B, loans rose 5.7% and deposits fell 2.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 31.5% of total loans, followed by 1-4 family residential loans at 19.8%. The FDIC Summary of Deposits lists 26 offices for it, in 22 cities in MS; its Philadelphia 3 offices book 51% of its branch deposits. Judged on its Q2 2026 call report, The Citizens Bank of Philadelphia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 521 W Main St, Philadelphia, MS 39350
- County
- Neshoba
- 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
- January 1, 1908
- Former names
- The Citizens Bank of Philadelphia, Mississippi (2006)
- Domestic offices
- 26 FDIC institution directory, current count
- Employees (FTE)
- 270
- Domestic deposits
- $1.32B
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $1.53B
- Average total loans
- $878.3M
- Average interest-bearing deposits
- $1.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12204
- Fed RSSD
- 29636
- SEC CIK
- 1075706 → filed by CITIZENS HOLDING COMPANY
- Website
- www.thecitizensbankphila.com →
- Parent Holding Company
- CITIZENS HOLDING COMPANY (RSSD 1083475) · CIZN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stacy M Brantley | CEO | Chief Executive Officer |
| Gregory E. Cronin | PRES | Regional President |
| Phillip R Branch | CFO | Chief Financial Officer |
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
From Q3 2023 to Q2 2026, The Citizens Bank of Philadelphia's total assets ranged from $1.41B (Q4 2023) to $1.64B (Q2 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.56B total assets against $1.64B; $1.47B total liabilities against $1.58B.
$884.6M net loans and leases against $809.8M; $1.32B total deposits against $1.27B.
$468.1M securities against $536.2M; $99.7M cash and balances due against $186.4M.
$17.9M total interest income against $17.7M; $5.9M total interest expense against $6.7M.
$12.0M net interest income against $11.0M.
$4.4M total noninterest income against $2.5M; $11.4M total noninterest expense against $10.3M.
$651K provision for credit losses against $490K.
$3.5M net income against $2.1M.
0.92% return on assets against 0.56%; 3.44% net interest margin against 3.15%.
12.38% CET1 capital ratio against 12.00%; 9.11% tier 1 leverage ratio against 8.25%.
Inside the full The Citizens Bank of Philadelphia 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Citizens Bank of Philadelphia rankings
Its closest position to the top of a national ranking is 716 of 4,196, for total assets; its furthest is 873 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.18% (Q3 2024) to 0.92% (Q2 2026) and its net interest margin ran from 2.64% (Q3 2024) to 3.44% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.38% | 0.92% | 0.47% | 6.95% | 3.44% |
| Q1 2026 | 12.44% | 0.68% | 0.54% | 8.08% | 3.35% |
| Q4 2025 | 12.12% | 0.61% | 0.45% | 7.94% | 3.33% |
| Q3 2025 | 12.08% | 0.67% | 0.62% | 10.62% | 3.19% |
| Q2 2025 | 12.00% | 0.56% | 0.77% | 12.28% | 3.15% |
| Q1 2025 | 11.99% | 0.55% | 0.52% | 9.05% | 2.99% |
| Q4 2024 | 12.24% | 0.44% | 0.50% | 8.51% | 2.86% |
| Q3 2024 | 12.92% | 0.18% | 0.59% | 8.66% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View all 26 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 |
|---|---|---|---|
| The Citizens Bank of Philadelphia, Mississippi | Philadelphia , MS | 39350 | $475.8M |
| West Side Drive-In Branch | Philadelphia , MS | 39350 | $155.1M |
| Citizens Bank and Trust Company Branch | Louisville , MS | 39339 | $104.1M |
| Carthage Branch | Carthage , MS | 39051 | $86.0M |
| Collinsville Branch | Collinsville , MS | 39325 | $66.7M |
| Decatur Branch | Decatur , MS | 39327 | $49.1M |
| East Side Branch | Philadelphia , MS | 39350 | $38.7M |
| Sebastopol Branch | Sebastopol , MS | 39359 | $31.5M |
| Kosciusko Branch | Kosciusko , MS | 39090 | $29.5M |
| Union Branch | Union , MS | 39365 | $26.6M |
| De Kalb Branch | De Kalb , MS | 39328 | $26.1M |
| Ocean Springs Branch | Ocean Springs , MS | 39564 | $25.4M |
| Biloxi Cedar Lake Branch | Biloxi , MS | 39532 | $24.6M |
| Oxford Branch | Oxford , MS | 38655 | $23.6M |
| Scooba Branch | Scooba , MS | 39358 | $23.5M |
| Pascagoula Branch | Pascagoula , MS | 39567 | $22.5M |
| Forest Branch | Forest , MS | 39074 | $20.5M |
| Hattiesburg Branch | Hattiesburg , MS | 39402 | $18.9M |
| Meridian Branch | Meridian , MS | 39301 | $16.5M |
| Starkville Branch | Starkville , MS | 39759 | $12.9M |
| Noxapater Branch | Noxapater , MS | 39346 | $10.8M |
| Ridgeland Branch | Ridgeland , MS | 39157 | $10.0M |
| Orange GroveGulfport Branch | Gulfport , MS | 39503 | $6.6M |
| Flowood Branch | Flowood , MS | 39232 | $5.6M |
| Drive-In Teller's Window Branch | Louisville , MS | 39339 | $3.9M |
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 |
|---|---|---|---|
| October 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2019 | Structure Change | Acquired Charter Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 18, 2002 | Structure Change | Acquired Citizens Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 1994 | Structure Change | Acquired Security Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1985 | Structure Change | Acquired Bank of Central Mississippi 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 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in MS, rank 12 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $73K approved, $73K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Citizens Bank of Philadelphia
What are The Citizens Bank of Philadelphia's total assets?
As of the Q2 2026 filing, The Citizens Bank of Philadelphia reported total assets of $1.56 billion in its FFIEC call report.
Where is The Citizens Bank of Philadelphia headquartered?
It is headquartered in Philadelphia, MS, United States.
When was The Citizens Bank of Philadelphia founded?
It was established in 1908, per the FDIC institution directory.
Is The Citizens Bank of Philadelphia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank of Philadelphia?
The Citizens Bank of Philadelphia's primary federal regulator is the FDIC.
What is The Citizens Bank of Philadelphia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.38% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Citizens Bank of Philadelphia operate?
It operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank of Philadelphia's Texas Ratio?
Its Texas Ratio is 6.95% 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.
What was The Citizens Bank of Philadelphia previously called?
The charter now named The Citizens Bank of Philadelphia has also operated as The Citizens Bank of Philadelphia, Mississippi (2006), per FDIC structure-change records.
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