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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Columbia, MS · FDIC certificate #324
CITIZENS BANK is an FDIC-insured institution based in Columbia, MS (FDIC certificate #324). In its Q3 2026 Call Report it reported total assets of $469M, total deposits of $403M and net loans of $297M. Its primary federal regulator is FDIC.
Reported facts
CITIZENS BANK (FDIC certificate #324) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $469M |
|---|---|
| Total deposits | $403M |
| Net loans and leases | $297M |
| Return on assets | 2.48% |
| Return on equity | 19.60% |
| Net interest margin | 5.19% |
| Quarterly asset change | 0.63% |
| Quarterly deposit change | 0.50% |
Plain-language readout
CITIZENS BANK in Columbia, MS reported total assets of $469M, total deposits of $403M and net loans of $297M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 2.48%, a return on equity of 19.60%, a net interest margin of 5.19%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $469M | $403M | $297M | 2.48% | 19.60% | 5.19% |
| Q2 2026 | $466M | $401M | $294M | 2.40% | 19.17% | 5.11% |
| Q1 2026 | $486M | $423M | $295M | 2.33% | 18.80% | 5.00% |
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