The Citizens Bank of Philadelphia: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Philadelphia is an FDIC-insured commercial bank. Profitability tracks the broader industry: ROA 0.92%, ROE 16.95%, NIM 3.44%. The Q2 2026 balance sheet stands at $1.6B in assets, including $894M in loans. Regulatory capital is solid, 12.38% CET1 and 13.36% total risk-based capital ratio. Asset quality is solid, 0.67% nonperforming loans and a 9.12% Texas Ratio. The Citizens Bank of Philadelphia operates a 26-branch network.
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 0.67%, a Texas ratio of 9.12%, per financial data filed with the FFIEC.
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)
- Offices
- 26 domestic
- Employees (FTE)
- 270
- Domestic deposits
- $1.32B
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $1.2M
- 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 |
|---|---|---|
| Brantley Stacy M | CEO | Chief Executive Officer |
| Branch Phillip R | CFO | Chief Financial Officer |
| Cronin Gregory E. | PRES | Regional President |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Citizens Bank of Philadelphia terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Citizens Bank of Philadelphia, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.38% | 0.92% | 0.67% | 9.12% | 3.44% |
| Q1 2026 | 12.44% | 0.68% | 0.75% | 10.48% | 3.35% |
| Q4 2025 | 12.12% | 0.61% | 0.66% | 10.55% | 3.33% |
| Q3 2025 | 12.08% | 0.67% | 0.84% | 13.42% | 3.19% |
| Q2 2025 | 12.00% | 0.56% | 0.93% | 15.44% | 3.15% |
| Q1 2025 | 11.99% | 0.55% | 0.75% | 12.27% | 2.99% |
| Q4 2024 | 12.24% | 0.44% | 0.74% | 11.92% | 2.86% |
| Q3 2024 | 12.92% | 0.18% | 0.84% | 11.95% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 26 branches →
| 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
What the public regulatory sources show for The Citizens Bank of Philadelphia, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.6% of deposits in MS, rank 12 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens Bank of Philadelphia headquartered?
The Citizens Bank of Philadelphia is headquartered in Philadelphia, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Citizens Bank of Philadelphia founded?
The Citizens Bank of Philadelphia was established in 1908, per the FDIC institution directory.
Is The Citizens Bank of Philadelphia FDIC-insured?
Yes. The Citizens Bank of Philadelphia 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Citizens Bank of Philadelphia's CET1 capital ratio?
The Citizens Bank of Philadelphia 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?
The Citizens Bank of Philadelphia 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?
The Citizens Bank of Philadelphia's Texas Ratio is 9.12% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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