Citizens Bank
Columbia, MS
IDRSSD: 514132
Total Assets
$480.86M
Latest filing
Total Deposits
$416.70M
Latest filing
Net Interest Margin
4.97%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank
814 Main St
Columbia, MS 39429
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/15/1914FDIC Certificate 260
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens Bank (Main) | 814 Main St | Columbia, MS |
| TYLERTOWN BRANCH | 907 Beulah Ave | Tylertown, MS |
| PARK AVENUE BRANCH | 625 Highway 98 By Pass | Columbia, MS |
| MAGNOLIA BRANCH | 105 N Clark Ave | Magnolia, MS |
| SEMINARY BRANCH | 102 E Main St | Seminary, MS |
| SUMRALL BRANCH | 1036 Highway 42 | Sumrall, MS |
| BELLEVUE BRANCH | 7119 U S Highway 98 | Hattiesburg, MS |
| CITIZENS BANK-LAUREL BRANCH | 1511 W 4th St | Laurel, MS |
Showing 7 of 8
Quarterly Trends
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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 | 07/15/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39429 |
| State and County Number | 28091 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| 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 | 116 |
| Domestic Offices | 9 |
| 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.citizensbk.com |
| Data Updated | 11/14/2025 |
| CERT | 324 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $480.86M |
| Total Deposits | $416.70M |
| Total Liabilities | $421.34M |
| Total Equity Capital | $59.53M |
| Net Income | $2.77M |
| Net Loans and Leases | $295.46M |
| Assets Per Employee ($Millions) | $4.26M |
| Bank Premises and Fixed Assets | $8.17M |
| Cash and Balances due from Depository Institutions | $66.79M |
| Deposits Held in Domestic Offices | $416.70M |
Key Performance Ratios
| Return on Assets (ROA) | 2.31% |
| Return on Equity (ROE) | 19.25% |
| Net Interest Margin | 4.97% |
| Efficiency Ratio | 56.66% |
| Tier 1 Risk-Based Capital Ratio | 22.072% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.379% |
| Earning Assets to total Assets | 93.37% |
Income and Expense
| Total Interest Income | $6.85M |
| Total Noninterest Income | $1.10M |
| Total Interest Expense | $1.29M |
| Total Noninterest Expense | $3.78M |
| Net Interest Income | $5.56M |
| Pre-tax Net Operating Income | $2.77M |
| Provision for Credit Losses | $113.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $148.00k |
| Other borrowed funds | $1.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.98M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.21M |
| Total Liabilities and Capital | $480.86M |
Securities
| Securities | $93.03M |
| Available-for-sale debt securities | $93.03M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank?
$480.86M as of the latest filing.
How much are Citizens Bank's total deposits?
$416.70M in total deposits.
Where is Citizens Bank located?
Columbia, MS.
What is the Net Interest Margin?
4.97%.
How many domestic offices does it operate?
9.
When was it established?
07/15/1914.
What is the Return on Assets (ROA)?
2.31%.
How much are total loans and leases?
$295.46M (latest filing).
What is the total interest income (latest filing)?
$6.85M.