Total Assets
$101M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$86M
Customer-funded liabilities
Net Loans
$62M
Outstanding loan book
Net Income
$976K
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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 metrics
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
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
7.37%
Efficiency Ratio
74.55%
What the numbers say about Citizens Bank & Trust Co.
Citizens Bank & Trust Co. is an FDIC-insured institution (Certificate #9777) headquartered in Marks, Mississippi, established in 1917. It holds $101M in total assets - 3,734th of 4,313 FDIC-insured banks, $86M in customer deposits, and $62M in net loans. Its capital position: a Tier 1 ratio of 17.24%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 22.66% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (68 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Bank & Trust Co. is a community-scale institution -- 54th of 57 FDIC-insured banks headquartered in Mississippi by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Mississippi by total assets
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.
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 & Trust Co.'s health grade?▼
Citizens Bank & Trust Co. receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Citizens Bank & Trust Co.?▼
Citizens Bank & Trust Co. holds $101M in total assets and $86M in deposits, ranking 3,734th of 4,313 FDIC-insured banks by asset size. It is headquartered in Marks, Mississippi.
Is my money safe at Citizens Bank & Trust Co.?▼
Yes, deposits at Citizens Bank & Trust Co. (Certificate #9777) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank & Trust Co.'s Tier 1 Capital Ratio?▼
Citizens Bank & Trust Co. has a Tier 1 Capital Ratio of 17.24%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Bank & Trust Co.?▼
Citizens Bank & Trust Co. has a Texas Ratio of 22.66%. Staying under 50% is the level analysts treat as 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 & Trust Co.?▼
Citizens Bank & Trust Co. has an Efficiency Ratio of 74.55%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank & Trust Co.'s profile as a depositor or analyst.
- Citizens Bank & Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank & Trust Co. 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.