BlastPoint's Banking Scorecard
The Citizens Bank of Philadelphia, Mississippi
Designations: ✓ Community bank
Philadelphia, MS
26 branches across MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
- Deposits +4.2% year over year ($1.3B on the books).
- Delinquency rate 0.47%.
- Return on assets 0.80%.
- Efficiency ratio 70.91% vs a 59.73% peer average.
- Loan-to-deposit ratio 67.11% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens Bank of Philadelphia, Mississippi has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Net Interest Margin 0.54% below tier average
- - Efficiency Ratio 11.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-5.2% YoY
+1.8% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$884.6M
+9.2% YoY
+5.7% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$1.3B
+4.2% YoY
-2.1% QoQ
|
-$1.0B |
$2.3B
-0.5% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
0.80%
+47.4% YoY
+17.6% QoQ
|
-0.59% |
1.39%
+17.0% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
3.33%
+12.2% YoY
+1.0% QoQ
|
-0.54% |
3.87%
+6.2% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
70.91%
-6.6% YoY
-1.8% QoQ
|
+11.18% |
59.73%
-12.6% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
0.47%
-39.3% YoY
-13.1% QoQ
|
-0.39% |
0.87%
+11.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
67.11%
+4.9% YoY
+7.9% QoQ
|
-17.93% |
85.04%
-0.1% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
Top 12.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.99%
-1.4% YoY
+4.5% QoQ
|
+1.71% |
21.27%
-1.5% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.37%
-16.8% YoY
-7.6% QoQ
|
-0.30% |
0.67%
+11.7% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
12.38%
+3.2% YoY
-0.5% QoQ
|
-2.46% |
14.84%
-0.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.54%
+63.9% YoY
+106.0% QoQ
|
+0.02% |
0.53%
+2.5% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.0%
-0.3pp YoY +1.0pp QoQ |
+1.6pp | 21.4% | 23.1% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 9.5% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.0%
+2.9pp YoY +0.8pp QoQ |
-3.0pp | 14.0% | 12.4% | 12.5% | 48% |
| CRE |
64.2%
-5.1pp YoY -2.1pp QoQ |
+14.1pp | 50.0% | 42.3% | 41.4% | 82% |
| 1-4 Family |
20.0%
+2.6pp YoY +1.5pp QoQ |
-6.4pp | 26.4% | 33.1% | 31.3% | 42% |
| Consumer |
2.4%
0.0pp YoY -0.1pp QoQ |
-2.4pp | 4.7% | 5.6% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
+0.4pp YoY -0.1pp QoQ |
-3.2pp | 15.6% | 16.5% | 19.7% | 31% |
| Leverage Ratio |
9.1%
+0.9pp YoY +0.1pp QoQ |
-2.2pp | 11.3% | 11.9% | 12.6% | 14% |
| Total Capital Ratio |
13.4%
+0.5pp YoY 0.0pp QoQ |
-3.3pp | 16.7% | 17.7% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
270
+2 (+0.7%) YoY 0 QoQ |
-44 | 313 | 297 | 482 | 59% |
| Assets per Employee ($) |
$5.8M
-5.9% YoY +1.8% QoQ |
-$4.7M | $10.5M | $6.2M | $8.8M | 9% |
| Branch Count |
26
0 YoY 0 QoQ |
+6 | 20 | 22 | 18 | 77% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.4% | 22% |
| Nonaccrual |
0.5%
-0.2pp YoY -0.1pp QoQ |
-0.4pp | 0.8% | 0.9% | 1.0% | 46% |
| Allowance Coverage |
2.25x
+73.9% YoY +15.7% QoQ |
-16.46x | 18.71x | 4.87x | 20.23x | 53% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY -0.2pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.2%
+1.9pp YoY +1.9pp QoQ |
+2.6pp | 12.6% | 11.7% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.8% | 1.7% | 35% |
| Net Income ($, YTD) |
$6.1M
+44.2% YoY — QoQ |
-$13.1M | $19.2M | $13.8M | $40.4M | 17% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.