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Citizens Bank

$100M-$1B Specialty: Other MS FDIC cert 324

Columbia, MS

8 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits -4.1% year over year ($401.3M on the books).
  • Delinquency rate 0.34%.
  • Return on assets 2.40%.
  • Efficiency ratio 55.74% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.20% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

Citizens Bank has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 18.8% in tier
  • + Revenue Diversifier: Top 19.8% in tier
  • + Deposit Franchise: Top 38.9% in tier
  • + Efficiency Ratio 8.74% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 26.5% in tier
  • - Liquidity Overhang: Bottom 37.6% in tier
Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $466.3M
-2.6% YoY -4.1% QoQ
+$79.7M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $293.8M
+1.3% YoY -0.3% QoQ
+$35.4M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $401.3M
-4.1% YoY -5.2% QoQ
+$74.6M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 2.40%
+17.1% YoY +3.1% QoQ
+1.08% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
Top 5.7% in tier
Net Interest Margin ? 5.11%
+6.2% YoY +2.2% QoQ
+1.12% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Top 6.6% in tier
Efficiency Ratio ? 55.74%
-5.4% YoY -1.5% QoQ
-8.74% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.34%
-48.6% YoY -4.9% QoQ
-0.58% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 73.20%
+5.6% YoY +5.1% QoQ
-4.75% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 33.32%
-1.2% YoY -3.4% QoQ
+11.29% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
Top 11.8% in tier
Nonperforming Asset Ratio ? 0.26%
-39.9% YoY -0.2% QoQ
-0.41% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 21.98%
+3.9% YoY +5.2% QoQ
+6.07% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
Top 10.5% in tier
Non-Interest Income / Assets ? 0.48%
+2.0% YoY +105.3% QoQ
-0.09% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
Top 10.0% in tier

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 33.3%
-0.4pp YoY
-1.2pp QoQ
 +11.2pp 22.1% 23.1% 22.2% 88%
Brokered Deposits n/a n/a 7.9% 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 10.9%
-1.1pp YoY
+0.1pp QoQ
 -0.6pp 11.6% 12.4% 12.5% 58%
CRE 28.5%
+0.1pp YoY
-0.3pp QoQ
 -11.0pp 39.5% 42.3% 41.4% 32%
1-4 Family 35.7%
+0.9pp YoY
+0.3pp QoQ
 +3.1pp 32.6% 33.1% 31.3% 63%
Consumer 5.8%
-0.1pp YoY
0.0pp QoQ
 +1.7pp 4.1% 5.6% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio 22.0%
+0.8pp YoY
+1.1pp QoQ
 +3.2pp 18.8% 16.5% 19.7% 83%
Leverage Ratio 13.5%
+0.6pp YoY
+0.4pp QoQ
 +1.3pp 12.2% 11.9% 12.6% 78%
Total Capital Ratio 23.2%
+0.8pp YoY
+1.1pp QoQ
 +3.3pp 19.9% 17.7% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 114
-2 (-1.7%) YoY
+3 (+2.7%) QoQ
 +55 58 297 482 91%
Assets per Employee ($) $4.1M
-0.9% YoY
-6.6% QoQ
 -$3.4M $7.5M $6.2M $8.8M 5%
Branch Count 8
-1 (-11.1%) YoY
0 QoQ
 +3 4 22 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.3% 0.4% 62%
Nonaccrual 0.2%
-0.2pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 26%
Allowance Coverage 3.85x
+89.8% YoY
+2.7% QoQ
 -20.31x 24.15x 4.87x 20.23x 64%
Net Charge-off Rate (YTD) 0.3%
-0.4pp YoY
+0.1pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 19.2%
+1.5pp YoY
+0.4pp QoQ
 +7.0pp 12.2% 11.7% 11.6% 86%
Cost of Funds (YTD) 1.0%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.8% 1.7% 10%
Net Income ($, YTD) $5.7M
+17.1% YoY
— QoQ
 +$3.1M $2.6M $13.8M $40.4M 91%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Profitability Leader

growth
#125 of 661 • Top 18.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#132 of 661 • Top 19.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.48%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#109 of 278 • Top 38.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.32%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.11%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Deposit Outflow

decline
#143 of 535 • Bottom 26.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Overhang

risk
#280 of 742 • Bottom 37.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.98%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 73.20%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

152
Return on Assets
profitability
Value: 2.40%
Peer Median: 1.32%
#152 of 2643 Top 5.7% in $100M-$1B
175
Net Interest Margin
profitability
Value: 5.11%
Peer Median: 3.99%
#175 of 2643 Top 6.6% in $100M-$1B
265
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.57%
#265 of 2643 Top 10.0% in $100M-$1B
278
Tier 1 Capital Ratio
capital
Value: 21.98%
Peer Median: 15.91%
#278 of 2643 Top 10.5% in $100M-$1B
312
Non-Interest-Bearing Deposit Share
funding
Value: 33.32%
Peer Median: 22.03%
#312 of 2643 Top 11.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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