B
Citizens Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Bank
Columbia, MS
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Rating B
Asset Quality Index 8.20
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 8.60
Stability Index 6.30
Company Info Citizens Bank
Columbia, MS
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FDIC Number 324
Phone Number (601) 736-2601
Website www.citizensbk.com
Asset Quality Citizens Bank
Columbia, MS
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1-Year Asset Growth 5.47%
5-Year Asset Growth 2.29%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 1.32%
Non-Performing Assets to Assets 0.51%
Non-Performing Loans to Capital 2.30%
Non-Performing Loans to Loans 0.72%
Balance Sheet Citizens Bank
Columbia, MS
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Total Assets 474.77M
Total Deposits 416.12M
Capital and Reserves Citizens Bank
Columbia, MS
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Capital 54.29M
Leverage Ratio 12.70
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 21.46
Liquidity Citizens Bank
Columbia, MS
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Hot Money Ratio 21.49%
Liquidity Ratio 32.02%
Profitability Citizens Bank
Columbia, MS
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5-Year Return on Average Assets 1.86%
Net Income 2.20M
Net Interest Spread 4.65%
Operating Profit to Average Assets 1.88%
Overhead Efficiency Ratio 60.89%
Return on Assets 1.88%
Return on Equity 16.12%