Total Assets
$470M
Total balance-sheet footings
FDIC Cert #324 · Columbia, Mississippi · Est. 1914
Citizens Bank - FDIC Bank Health Profile
A community-scale look at Citizens Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $470M
- Total assets
- A
- Health grade · Excellent
- 2.04%
- Return on assets
- 21.6%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 21.61% Tier 1, profitable at 2.04% ROA, 61% efficiency ratio.
- #1,878
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 21.61%
- Tier 1 ratio - above the 10% well-capitalized line
- 91st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Citizens Bank's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Bank's composite health score
Tier 1 Capital Ratio (21.61%) 40/40
Return on Assets (ROA) (2.04%) 25/25
Texas Ratio (2.83%) 20/20
Efficiency Ratio (61.14%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$405M
Customer-funded liabilities
Net Loans
$296M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank's score of 93/100 falls in the highlighted band.
Citizens Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank's $470M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.61%
Texas Ratio
2.83%
Equity Capital
$60M
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.04%
Return on Equity (ROE)
17.04%
Efficiency Ratio
61.14%
What the numbers say about Citizens Bank
Citizens Bank is an FDIC-insured institution (Certificate #324) headquartered in Columbia, Mississippi, established in 1914. It holds $470M in total assets - 1,878th of 4,313 FDIC-insured banks, $405M in customer deposits, and $296M in net loans. Looking at capital strength, Tier 1 stands at 21.61%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.83%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (93/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Mississippi, Citizens Bank ranks 28th of 57 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$27M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank reports a Texas Ratio of 2.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank (FDIC Cert #324) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is Citizens Bank's health grade?▼
Citizens Bank receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens Bank?▼
Citizens Bank holds $470M in total assets and $405M in deposits, ranking 1,878th of 4,313 FDIC-insured banks by asset size. It is headquartered in Columbia, Mississippi.
Is my money safe at Citizens Bank?▼
Yes, deposits at Citizens Bank (Certificate #324) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank's Tier 1 Capital Ratio?▼
Citizens Bank has a Tier 1 Capital Ratio of 21.61%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens Bank?▼
Citizens Bank has a Texas Ratio of 2.83%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank?▼
Citizens Bank has an Efficiency Ratio of 61.14%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank's profile as a depositor or analyst.
- Citizens Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.