Citizens Bank & Trust Co.
Marks, MS
IDRSSD: 729945
Total Assets
$96.65M
Latest filing
Total Deposits
$81.19M
Latest filing
Net Interest Margin
6.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank & Trust Co.
239 E Main St
Marks, MS 38646
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/17/1917FDIC Certificate 6260
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust Co. (Main) | 239 E Main St | Marks, MS |
| TUNICA BRANCH | 1411 Main St | Tunica, MS |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/17/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38646 |
| State and County Number | 28119 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cbt-co.com |
| Data Updated | 11/14/2025 |
| CERT | 9777 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $96.65M |
| Total Deposits | $81.19M |
| Total Liabilities | $82.88M |
| Total Equity Capital | $13.77M |
| Net Income | $385.00k |
| Net Loans and Leases | $66.45M |
| Assets Per Employee ($Millions) | $3.12M |
| Bank Premises and Fixed Assets | $385.00k |
| Cash and Balances due from Depository Institutions | $11.95M |
| Deposits Held in Domestic Offices | $81.19M |
Key Performance Ratios
| Return on Assets (ROA) | 1.57% |
| Return on Equity (ROE) | 11.35% |
| Net Interest Margin | 6.67% |
| Efficiency Ratio | 64.15% |
| Tier 1 Risk-Based Capital Ratio | 16.838% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.33% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.243% |
| Earning Assets to total Assets | 88.13% |
Income and Expense
| Total Interest Income | $1.81M |
| Total Noninterest Income | $175.00k |
| Total Interest Expense | $356.00k |
| Total Noninterest Expense | $1.04M |
| Net Interest Income | $1.45M |
| Pre-tax Net Operating Income | $501.00k |
| Provision for Credit Losses | $82.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $145.00k |
| Other borrowed funds | $167.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.52M |
| Total Liabilities and Capital | $96.65M |
Securities
| Securities | $9.19M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $9.19M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust Co.?
$96.65M as of the latest filing.
How much are Citizens Bank & Trust Co.'s total deposits?
$81.19M in total deposits.
Where is Citizens Bank & Trust Co. located?
Marks, MS.
What is the Net Interest Margin?
6.67%.
How many domestic offices does it operate?
2.
When was it established?
08/17/1917.
What is the Return on Assets (ROA)?
1.57%.
How much are total loans and leases?
$66.45M (latest filing).
What is the total interest income (latest filing)?
$1.81M.