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Citizens Bank & Trust Co.

$100M-$1B Specialty: Agricultural MS FDIC cert 9777

Designations: ✓ CDFI-certified

Marks, MS

2 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS
View $100M-$1B leaderboard (MS) →

Citizens Bank & Trust Co. has 1 strength but faces 5 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

  • + Deposit Franchise: Top 35.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.4% in tier
  • - Flatlined Growth: Bottom 25.0% in tier
  • - Nonperforming Asset Ratio 2.89% above tier average
  • - ROA 0.37% below tier average
  • - Efficiency Ratio 10.00% above tier average
Get updates when Citizens Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $105.4M
-0.5% YoY +4.1% QoQ
-$280.6M $386.1M
+0.5% YoY
$2.3B
+11.5% YoY
$6.2B
+9.1% YoY
Bottom 1.8% in tier
Total Loans ? $62.6M
+1.1% YoY +0.6% QoQ
-$193.1M $255.7M
+1.1% YoY
$1.5B
+13.2% YoY
$3.2B
+10.8% YoY
Bottom 5.5% in tier
Total Deposits ? $89.2M
-2.4% YoY +3.4% QoQ
-$238.8M $328.0M
+0.1% YoY
$1.9B
+10.5% YoY
$4.8B
+8.2% YoY
Bottom 2.4% in tier
Return on Assets ? 0.90%
+18.4% YoY -6.1% QoQ
-0.37% 1.27%
+12.9% YoY
1.16%
+5.3% YoY
1.23%
+13.4% YoY
32%
Net Interest Margin ? 5.45%
+7.8% YoY -2.4% QoQ
+1.52% 3.93%
+6.0% YoY
3.97%
+6.6% YoY
3.89%
+5.7% YoY
Top 3.3% in tier
Efficiency Ratio ? 75.29%
-7.2% YoY +1.0% QoQ
+10.00% 65.29%
-4.5% YoY
67.65%
-1.2% YoY
66.95%
-4.1% YoY
22%
Delinquency Rate ? 4.58%
+8.0% YoY -20.7% QoQ
+3.69% 0.89%
+18.8% YoY
1.06%
+2.0% YoY
0.95%
+18.8% YoY
Bottom 2.5% in tier
Loan-to-Deposit Ratio ? 70.17%
+3.7% YoY -2.7% QoQ
-6.47% 76.64%
+0.8% YoY
70.20%
+3.2% YoY
76.70%
+0.9% YoY
66%
Non-Interest-Bearing Deposit Share ? 31.89%
+2.0% YoY -2.2% QoQ
+9.87% 22.02%
-1.0% YoY
22.68%
-1.8% YoY
22.01%
-1.2% YoY
Top 14.0% in tier
Nonperforming Asset Ratio ? 3.53%
+5.7% YoY -19.9% QoQ
+2.89% 0.64%
+19.7% YoY
0.74%
+0.7% YoY
0.67%
+19.3% YoY
Bottom 2.0% in tier
Tier 1 Capital Ratio ? 17.81%
+6.2% YoY +3.3% QoQ
+1.98% 15.83%
+1.5% YoY
13.90%
-1.0% YoY
17.06%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.15%
-4.2% YoY -77.3% QoQ
-0.13% 0.28%
+9.3% YoY
0.17%
-9.5% YoY
0.32%
+4.1% YoY
75%

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 (1)

Deposit Franchise

growth
#97 of 272 • Top 35.3% 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: 31.89%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.45%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ

Concerns (2)

Credit Risk Growth

risk
#112 of 973 • Bottom 11.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ

Flatlined Growth

risk
#129 of 512 • Bottom 25.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.90%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

89
Net Interest Margin
profitability
Value: 5.45%
Peer Median: 3.93%
#89 of 2664 Top 3.3% in $100M-$1B
373
Non-Interest-Bearing Deposit Share
funding
Value: 31.89%
Peer Median: 22.02%
#373 of 2664 Top 14.0% in $100M-$1B
520
Tier 1 Capital Ratio
capital
Value: 17.81%
Peer Median: 15.83%
#520 of 2664 Top 19.5% in $100M-$1B
665
Non-Interest Income / Assets
revenue_mix
Value: 0.15%
Peer Median: 0.28%
#665 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (6 metrics)

2616
Total Assets
size
Value: $105.44M
Peer Median: $386.08M
#2616 of 2664 Bottom 1.8% in $100M-$1B
2613
Nonperforming Asset Ratio
credit_quality
Value: 3.53%
Peer Median: 0.64%
#2613 of 2664 Bottom 2.0% in $100M-$1B
2601
Total Deposits
size
Value: $89.17M
Peer Median: $327.97M
#2601 of 2664 Bottom 2.4% in $100M-$1B
2589
Delinquency Rate
credit_quality
Value: 4.58%
Peer Median: 0.89%
#2589 of 2654 Bottom 2.5% in $100M-$1B
2519
Total Loans
size
Value: $62.58M
Peer Median: $255.72M
#2519 of 2664 Bottom 5.5% in $100M-$1B
2081
Efficiency Ratio
profitability
Value: 75.29%
Peer Median: 65.29%
#2081 of 2664 Bottom 21.9% in $100M-$1B
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