FDIC Cert #9777 · Marks, Mississippi · Est. 1917

Citizens Bank & Trust Co. - FDIC Bank Health Profile

A community-scale look at Citizens Bank & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$101M
Total assets
B
Health grade · Good
0.96%
Return on assets
17.2%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank & Trust Co. earns a PlainBankData health grade of B (68/100), with well-capitalized at 17.24% Tier 1, 0.96% ROA, 75% efficiency ratio.

#3,734
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
17.24%
Tier 1 ratio - above the 10% well-capitalized line
40th
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.

FDIC Call Report plate

Cert 9777 · MS B · 68/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (68/100)
  • MID-PACK #3178/4307
  • PHOTO-FINISH Northwestern Bank, N… · MN
  • TIER1-WELL 17.2% Tier 1
  • TEXAS-HEALTHY 22.7% Texas
  • ROA-PAR 0.96% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Northwestern Bank, National Association, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank & Trust Co.

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trus… · MS ·…68/100Citizens State Bank… · TX · …68/100Concordia Bank & Tru… · LA ·…68/100Enterprise Bank of S… · SC ·…68/100Northwestern Bank, N… · MN ·…68/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank & Trust Co. · July 2026

What Citizens Bank & Trust Co.'s Call Report plate shows

Citizens Bank & Trust Co. (FDIC Cert #9777) carries a PlainBankData health grade of B at 68/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,178 of 4,307. Tier 1 capital prints at 17.24%, clearing the 10% well-capitalized line. The Texas Ratio is 22.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.96%. Balance-sheet scale is $101M, 3,734th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Northwestern Bank, National Association (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank & Trust Co.

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Citizens Bank & Trust Co.'s home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Bank & Trust Co. remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How Citizens Bank & Trust Co.'s 68/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10068/100
Citizens Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (17.24%) 40/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (22.66%) 10/20
Efficiency Ratio (74.55%) 4/15

68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$101M

Total balance-sheet footings

Total Deposits

$86M

Customer-funded liabilities

Net Loans

$62M

Outstanding loan book

Net Income

$976K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.84% 17.24% 18.64%
Basel III capital ratios - Citizens Bank & Trust Co.

Where Citizens Bank & Trust Co. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank & Trust Co.'s score of 68/100 falls in the highlighted band.

Citizens Bank & Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

68 26th percentile higher than 26% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Bank & Trust Co. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank & Trust Co.'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 & Trust Co.'s $101M falls in the highlighted band.

Safety ratios for Citizens Bank & Trust Co.

Tier 1 capital ratio
Well-capitalized 10%

17.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.24%
Texas Ratio
22.66%
Equity Capital
$14M

What these ratios mean →

Profitability metrics: Citizens Bank & Trust Co.

Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
7.37%
Efficiency Ratio
74.55%

What these mean →

Income & expense at Citizens Bank & Trust Co.

$6M
Interest Income
$690K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank & Trust Co. reports a Texas Ratio of 22.66% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

22.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank & Trust Co. on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($101M here), outside Mississippi so the neighborhood is not state containment.

Bank419 $101M · OH Northern State Bank of Virginia $101M · MN The State Bank of Wynnewood $101M · OK Owingsville Banking Company $101M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank & Trust Co. (FDIC Cert #9777) - 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.

Citizens Bank & Trust Co. Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
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%