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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Marks, MS · FDIC certificate #9777
CITIZENS BANK&TRUST CO is an FDIC-insured institution based in Marks, MS (FDIC certificate #9777). In its Q3 2026 Call Report it reported total assets of $101M, total deposits of $84M and net loans of $70M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $105M in Q1 2026 and were lowest at $99M in Q2 2026.
Total deposits were highest at $89M in Q1 2026 and lowest at $83M in Q2 2026.
Over the whole period total assets fell 4.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $101M | $84M | $70M | 0.94% | 6.84% | 5.47% |
| Q2 2026 | $99M | $83M | $69M | 0.92% | 6.73% | 5.48% |
| Q1 2026 | $105M | $89M | $63M | 0.90% | 6.74% | 5.45% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.2M | $3.6M | +$3.6M | +100.6% |
| Federal funds sold | $400K | $400K | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $12.6M | $29.6M | -$16.9M | -57.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $69.1M | $62.6M | +$6.5M | +10.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $363K | $361K | +$2K | +0.6% |
| Other real estate owned | $145K | $145K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.8M | $8.8M | -$44K | -0.5% |
| Total assets | $98.6M | $105.4M | -$6.9M | -6.5% |
| Liabilities | ||||
| Total deposits | $83.0M | $89.2M | -$6.1M | -6.9% |
| Federal funds purchased | $0K | $1.0M | -$1.0M | -100.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $150K | $157K | -$7K | -4.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.3M | $1.2M | +$80K | +6.5% |
| Total liabilities | $84.5M | $91.6M | -$7.1M | -7.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $513K | $513K | $0K | 0.0% |
| Surplus | $13.1M | $13.1M | $0K | 0.0% |
| Retained earnings | $438K | $273K | +$165K | +60.4% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $14.0M | $13.9M | +$165K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.1M | $3.0M | +$1.0M | +34.5% |
| Adjusted nonperforming assets | $4.1M | $3.0M | +$1.0M | +34.5% |
| Tangible equity plus allowance | $15.9M | $15.8M | +$147K | +0.9% |
| Texas ratio (gross) | 25.43% | 19.08% | +6.35 pts | See points |
| Texas ratio (adjusted) | 25.43% | 19.08% | +6.35 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 27.08% | 21.71% | +5.37 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.95% | 17.81% | -0.86 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.95% | 17.81% | -0.86 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.27% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.21% | 19.08% | -0.86 pts | See points |
| Tier 1 leverage (approximate) | 14.00% | 12.36% | +1.64 pts | See points |
| Construction and land loans to total capital | 11.43% | 8.37% | +3.06 pts | See points |
| Commercial real estate to total capital | 31.09% | 31.07% | +0.01 pts | See points |
| Dividend payout, year to date | 42.74% | 0.00% | +42.74 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.41% | -2.66% | +0.25 pts | See points |
| Liquidity | ||||
| Core deposits | $77.3M | $86.1M | -$8.8M | -10.2% |
| Non-core funding | $5.9M | $4.2M | +$1.7M | +39.4% |
| Loans to core deposits | 91.83% | 74.90% | +16.93 pts | See points |
| Loans to deposits | 85.45% | 72.30% | +13.14 pts | See points |
| Brokered deposits share of deposits | 3.21% | 0.00% | +3.21 pts | See points |
| Pledged securities share of securities | 83.59% | 92.68% | -9.09 pts | See points |
| Loans pledged, share of loans | 10.47% | 13.10% | -2.63 pts | See points |
| Volatile liabilities | $6.7M | $5.0M | +$1.7M | +33.5% |
| Earnings | ||||
| Earnings before provision, year to date | $655K | $344K | +$311K | +90.4% |
| Earnings before provision, single quarter | $311K | $344K | -$33K | -9.6% |
| Provision for credit losses, year to date | $57K | $47K | +$10K | +21.3% |
| Yield and cost | ||||
| Yield on loans and leases | 8.09% | 8.10% | -0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.90% | 3.68% | +0.22 pts | See points |
| Total interest income to average assets | 6.20% | 5.68% | +0.52 pts | See points |
| Cost of interest-bearing transaction accounts | 2.15% | 1.87% | +0.28 pts | See points |
| Cost of savings and money market deposits | 2.00% | 1.95% | +0.05 pts | See points |
| Cost of time deposits | 2.88% | 2.87% | +0.01 pts | See points |
| Total interest expense to average assets | 1.36% | 1.31% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $101M | $84M | $70M | 0.94% | 6.84% | 5.47% |
| 2026-06-30 | $99M | $83M | $69M | 0.92% | 6.73% | 5.48% |
| 2026-03-31 | $105M | $89M | $63M | 0.90% | 6.74% | 5.45% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MS | $85M | 0.11% | 69 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.