The Citizens Bank of Philadelphia, Mississippi
Philadelphia, MS
IDRSSD: 29636
Total Assets
$1.51B
Latest filing
Total Deposits
$1.34B
Latest filing
Net Interest Margin
3.25%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank of Philadelphia, Mississippi
521 W Main St
Philadelphia, MS 39350
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1908FDIC Certificate 7752
Branches (25)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| The Citizens Bank of Philadelphia, Mississippi (Main) | 521 W Main St | Philadelphia, MS |
| CITIZENS BANK AND TRUST COMPANY BRANCH | 100 E Main St | Louisville, MS |
| SCOOBA BRANCH | 1048 Johnson Street | Scooba, MS |
| DECATUR BRANCH | 15220 Highway 15 | Decatur, MS |
| FOREST BRANCH | 247 N Woodland Dr | Forest, MS |
| WEST SIDE DRIVE-IN BRANCH | 912 W Beacon St | Philadelphia, MS |
| UNION BRANCH | 502 Bank St | Union, MS |
| EAST SIDE BRANCH | 599 Main St | Philadelphia, MS |
Showing 7 of 25
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 | 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 | 01/30/2026 |
| CERT | 12204 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.51B |
| Total Deposits | $1.34B |
| Total Liabilities | $1.44B |
| Total Equity Capital | $74.87M |
| Net Income | $2.33M |
| Net Loans and Leases | $833.42M |
| Assets Per Employee ($Millions) | $5.64M |
| Bank Premises and Fixed Assets | $28.32M |
| Cash and Balances due from Depository Institutions | $68.12M |
| Deposits Held in Domestic Offices | $1.34B |
Key Performance Ratios
| Return on Assets (ROA) | 0.6% |
| Return on Equity (ROE) | 12.74% |
| Net Interest Margin | 3.25% |
| Efficiency Ratio | 76.68% |
| Tier 1 Risk-Based Capital Ratio | 12.12% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 4.95% |
| Earning Assets to total Assets | 91.85% |
Income and Expense
| Total Interest Income | $18.26M |
| Total Noninterest Income | $2.58M |
| Total Interest Expense | $6.64M |
| Total Noninterest Expense | $10.92M |
| Net Interest Income | $11.63M |
| Pre-tax Net Operating Income | $2.70M |
| Provision for Credit Losses | $582.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.84M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $74.22M |
| All Other Liabilities | $25.77M |
| Total Liabilities and Capital | $1.51B |
Securities
| Securities | $504.74M |
| Available-for-sale debt securities | $151.71M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $352.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens Bank of Philadelphia, Mississippi?
$1.51B as of the latest filing.
How much are The Citizens Bank of Philadelphia, Mississippi's total deposits?
$1.34B in total deposits.
Where is The Citizens Bank of Philadelphia, Mississippi located?
Philadelphia, MS.
What is the Net Interest Margin?
3.25%.
How many domestic offices does it operate?
26.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
0.6%.
How much are total loans and leases?
$833.42M (latest filing).
What is the total interest income (latest filing)?
$18.26M.