The Citizens Bank of Philadelphia, Mississippi
Philadelphia, Mississippi, Neshoba County
$1.6B in total assets, the 742nd largest of 4,309 US banks and 10th of 57 headquartered in Mississippi.
- FDIC certificate
- 12204
- Established
- 1908
- Owned by
- Citizens Holding Co
- Primary regulator
- FDIC
- Website
- www.thecitizensbankphila.com
At a glance
Compared with 10 banks headquartered in Mississippi with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 40% | $2.3B | |
| Loans | $894M | 30% | $1.6B | |
| Deposits | $1.3B | 40% | $2.0B | |
| Return on assets | 0.71% | 2% | 1.10% | |
| Net interest margin | 3.33% | 10% | 4.01% | |
| Efficiency ratio | 70.9% | 90% | 62.9% | |
| Equity to assets | 5.58% | 2% | 11.19% | |
| Loans to deposits | 68% | 10% | 81% |
Growth
Total assets grew 3.1% a year over the last 5 years and 4.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2019 | Charter Bank Biloxi, MS | $149M |
| May 2002 | Citizens Bank and Trust Company Louisville, MS | $72M |
| Apr 1994 | Security Federal Savings and Loan Association Jackson, MS | $163M |
| Dec 1985 | Bank of Central Mississippi Carthage, MS | $25M |
Where they operate
26 branches in 15 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Neshoba County, MS | $670M | 69.2% | 1 of 7 |
| Winston County, MS | $119M | 26.6% | 3 of 4 |
| Leake County, MS | $86M | 16.5% | 3 of 5 |
| Lauderdale County, MS | $83M | 4.6% | 8 of 10 |
| Newton County, MS | $76M | 19.4% | 3 of 5 |
| Scott County, MS | $52M | 7.6% | 4 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (23 to 26, +13.0%). 3 opened, 3 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 23 | |||
| 2019 | Acquired Charter Bank | 3 | 0 | +3 | 26 |
| 2020 | Opened Flowood and RidgelandClosed Flowood and Meridian | 2 | 2 | 0 | 26 |
| 2021 | Opened Oxford | 1 | 0 | +1 | 27 |
| 2023 | Closed Philadelphia | 0 | 1 | −1 | 26 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 48% | 34% | |
| 1-4 family residential | 20% | 30% | |
| Business (C&I) | 11% | 11% | |
| Construction and land | 10% | 10% | |
| Multifamily | 5% | 4% | |
| Consumer | 2% | 2% | |
| Farmland | 2% | 5% | |
| Agricultural | 0% | 2% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 57% | 59% | |
| Noninterest-bearing | 23% | 17% | |
| Time deposits | 20% | 24% |
Brokered deposits are 0.0% of deposits (peers 1.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.47% | 0.76% |
| Net charge-offs, annualized | 0.29% | 0.08% |
| Reserves to loans | 1.06% | 1.14% |
| Leverage ratio | 9.11% | 10.85% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Mississippi
Largest competitors in Neshoba County, MS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/citizens-philadelphia-mississippi