🏦Bank Scorer

THE CITIZENS BANK OF PHILADELPHIA, MISSISSIPPI

PHILADELPHIA, MS · Supervised by FDIC

Est. 1908FDIC #12,204RSSD: FDIC-12204
Part ofCITIZENS HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Address

521 W Main St, PHILADELPHIA, MS

County

Neshoba County

Established

January 1, 1908

Total Assets

$1.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.3B

Net Loans

$837M

Net Income

$3M

ROA

0.68%

ROE

13.33%

Risk-Based Capital

13.41%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.14%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

26

Branch Deposits

$1.3B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202442074.52%7.14%
202328772.47%12.54%
202233281.63%9.04%
202134172.14%14.08%
202041670.43%12.74%
201937675.27%11.17%
201828875%14.24%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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