Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/01/1908
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	39350
State and County Number	28099
Subchapter S Corporations	No
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	268
Domestic Offices	26
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.thecitizensbankphila.com
Data Updated	11/14/2025
CERT	12204
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$1.59B
Total Deposits	$1.18B
Total Liabilities	$1.52B
Total Equity Capital	$71.37M
Net Income	$2.60M
Net Loans and Leases	$822.59M
Assets Per Employee ($Millions)	$5.94M
Bank Premises and Fixed Assets	$28.40M
Cash and Balances due from Depository Institutions	$132.65M
Deposits Held in Domestic Offices	$1.18B

Return on Assets (ROA)	0.64%
Return on Equity (ROE)	15.29%
Net Interest Margin	3.01%
Efficiency Ratio	74.82%
Tier 1 Risk-Based Capital Ratio	12.083%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.14%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	4.48%
Earning Assets to total Assets	92.37%

Total Interest Income	$18.12M
Total Noninterest Income	$2.94M
Total Interest Expense	$6.90M
Total Noninterest Expense	$10.62M
Net Interest Income	$11.22M
Pre-tax Net Operating Income	$2.99M
Provision for Credit Losses	$551.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$1.94M
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$313.48M
All Other Liabilities	$25.51M
Total Liabilities and Capital	$1.59B

Securities	$531.59M
Available-for-sale debt securities	$173.86M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$357.03M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of The Citizens Bank of Philadelphia, Mississippi?

$1.59B as of the latest filing.

How much are The Citizens Bank of Philadelphia, Mississippi's total deposits?

$1.18B in total deposits.

Where is The Citizens Bank of Philadelphia, Mississippi located?

Philadelphia, MS.

What is the Net Interest Margin?

3.01%.

How many domestic offices does it operate?

26.

When was it established?

01/01/1908.

What is the Return on Assets (ROA)?

0.64%.

How much are total loans and leases?

$822.59M (latest filing).

What is the total interest income (latest filing)?

$18.12M.