CITIZENS BK PHILADELPHIA MS

FDIC #12204 · MS · period 20260630

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Total assets1,001,843-4.37% YoY

Total deposits792,610+0.22% YoY

Net loans and leases409,467+5.21% YoY

Return on assets0.65%+12.80% YoY

Return on equity7.52%+7.12% YoY

Net interest margin3.02%+6.91% YoY

Peer position

Return on assets19thopportunity · n=902

Return on equity75thstrength · n=894

Net interest margin28thopportunity · n=902

Equity to assets1stopportunity · n=894

Noncurrent loans54thin line · n=887

Liquid assets87thstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits88thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,001,843	792,610	409,467	0.65	7.52	3.02
2016-06-30	1,014,015	782,128	397,559	0.69	7.95	3.00
2016-09-30	1,024,753	783,107	405,905	0.70	7.94	2.97
2016-12-31	1,024,898	761,597	390,148	0.69	7.97	2.94
2017-03-31	1,047,646	790,882	389,183	0.57	7.02	2.82
2017-06-30	1,017,186	782,032	389,753	0.65	7.75	2.91
2017-09-30	1,025,652	756,983	389,674	0.65	7.72	2.90
2019-03-31	1,057,068	841,732	443,909	0.52	6.15	2.67
2019-06-30	1,033,753	796,422	461,914	0.56	6.39	2.66
2019-09-30	1,049,398	796,094	469,692	0.54	6.14	2.59
2019-12-31	1,195,261	900,732	573,312	0.59	6.64	2.63
2020-03-31	1,215,948	927,644	573,163	0.41	4.30	2.67
2020-06-30	1,402,061	1,077,318	631,940	0.45	4.94	2.69
2020-09-30	1,373,958	1,051,267	651,139	0.52	5.86	2.74
2020-12-31	1,450,419	1,097,386	647,521	0.55	6.38	2.70
2021-03-31	1,548,056	1,231,805	634,401	0.52	7.10	2.19
2021-06-30	1,337,945	1,128,203	629,690	0.56	6.96	2.41
2021-09-30	1,355,802	1,114,737	605,709	0.57	6.87	2.52
2021-12-31	1,360,976	1,112,319	567,334	0.57	6.80	2.58
2022-03-31	1,348,538	1,150,255	578,418	0.66	8.75	2.69
2022-06-30	1,298,752	1,118,523	584,494	0.75	12.26	2.83
2022-09-30	1,328,121	1,135,468	573,597	0.79	14.16	2.91
2022-12-31	1,323,586	1,126,927	580,327	0.80	15.12	2.95
2023-03-31	1,289,079	1,115,935	561,222	0.45	10.23	2.72
2023-06-30	1,288,649	1,103,121	568,337	0.32	7.36	2.69
2023-09-30	1,413,420	1,194,636	580,848	0.37	8.79	2.62
2023-12-31	1,405,202	1,170,311	635,476	0.24	5.76	2.59
2024-03-31	1,471,624	1,210,622	660,748	0.90	21.39	2.55
2024-06-30	1,463,089	1,169,875	672,402	0.64	15.01	2.66
2024-09-30	1,475,506	1,092,863	704,691	0.48	11.27	2.66
2024-12-31	1,471,051	1,071,720	759,181	0.47	11.05	2.71
2025-03-31	1,585,829	1,230,503	796,267	0.55	13.25	2.96
2025-06-30	1,640,384	1,265,501	809,813	0.54	13.27	2.97
2025-09-30	1,593,139	1,182,778	822,591	0.58	13.86	3.00
2025-12-31	1,512,484	1,337,629	833,417	0.59	13.56	3.08
2026-03-31	1,528,973	1,345,964	836,795	0.68	13.33	3.30
2026-06-30	1,555,742	1,318,103	884,551	0.80	15.19	3.33

Structure and branch footprint

26 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2019-10-01	1	3715800	29636
2002-05-18	1	728340	29636
1994-04-16	50	232472	29636
1985-12-01	1	448031	29636

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.