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The Citizens Bank Of Philadelphia, Mississippi
Philadelphia, MS · FDIC Certificate #12204 · Chartered 01/0
Total assets
$1.56B
Total deposits
$1.32B
Total equity
$86.85M
Net loans
$884.55M
Branches (offices)
26
Net income (YTD)
$6.13M
Rank: #724 of 4,213 U.S. banks by assets · #10 of 57 in Mississippi. Assets changed -5.2% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 15.19% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 5.58% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.29% |
| Loans to deposits | 67.1% |
| Real estate loans (share of loans) | 86.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $761.86M | 86.1% | |
| Commercial & industrial | $97.29M | 11.0% | |
| Consumer / individual | $20.82M | 2.4% | |
| Construction & development | $92.79M | 10.5% | |
| Agricultural | $900.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.30B | $1.12B | $5.04M | $43.32M |
| Jun 2023 | $1.29B | $1.10B | $2.11M | $57.40M |
| Jun 2024 | $1.46B | $1.17B | $4.60M | $62.53M |
| Jun 2025 | $1.64B | $1.27B | $4.25M | $64.63M |
| Jun 2026 | $1.56B | $1.32B | $6.13M | $86.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $1.32B | 26 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.32B.
Similar-sized banks
Union Bank ($1.56B) · Quill Bank ($1.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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