Citizens Bk Philadelphia Ms (FDIC #12204): Bank Stress & Real-Estate Credit Exposure
Citizens Bk Philadelphia Ms (FDIC Cert #12204): bank stress 85/100, severe, STABLE over 7 days; parent CITIZENS HOLDING CO.
Citizens Bk Philadelphia Ms (#12204) lends in 15 counties across 1 state; Citizens Bk Philadelphia Ms (#12204) reaches 115 ZIP codes: Mississippi 15 counties, 115 ZIPs.
Citizens Bk Philadelphia Ms (#12204) largest markets: Rankin County, MS (14 branches, 14 ZIPs) (#12204), Lafayette County, MS (13 branches, 13 ZIPs) (#12204), Harrison County, MS (26 branches, 13 ZIPs) (#12204), Madison County, MS (12 branches, 12 ZIPs) (#12204), Lauderdale County, MS (24 branches, 12 ZIPs) (#12204), Attala County, MS (11 branches, 11 ZIPs) (#12204).
Citizens Bk Philadelphia Ms (#12204) reports $1.56 billion in total assets; Citizens Bk Philadelphia Ms (#12204) equity $86.9 million (5.6% of Citizens Bk Philadelphia Ms (#12204) assets); Citizens Bk Philadelphia Ms (#12204) domestic deposits $1.32 billion; Citizens Bk Philadelphia Ms (#12204) net income $6.1 million; Citizens Bk Philadelphia Ms (#12204) return on assets 0.80%; Citizens Bk Philadelphia Ms (#12204) return on equity 15.19%; Citizens Bk Philadelphia Ms (#12204) net interest income $23.5 million; Citizens Bk Philadelphia Ms (#12204) call report June 30, 2026.
Citizens Bk Philadelphia Ms (#12204) noncurrent real-estate loans: none reported; Citizens Bk Philadelphia Ms (#12204) residential -0.03%; Citizens Bk Philadelphia Ms (#12204) net charge-offs on real estate 0.45%; Citizens Bk Philadelphia Ms (#12204) residential charge-offs 0.12%.
Citizens Bk Philadelphia Ms (#12204) net interest margin 3.33% against an eight-quarter Citizens Bk Philadelphia Ms (#12204) average of 3.00% (Citizens Bk Philadelphia Ms (#12204) compression -0.33 points); Citizens Bk Philadelphia Ms (#12204) non-residential real estate 11.7% of equity; Citizens Bk Philadelphia Ms (#12204) rate-exposure score 40/100, Citizens Bk Philadelphia Ms (#12204) fixed-rate trap 40/100; Citizens Bk Philadelphia Ms (#12204) risk type credit driven; Citizens Bk Philadelphia Ms (#12204) rate regime rates elevated, Citizens Bk Philadelphia Ms (#12204) snapshot October 19, 2026.
Citizens Bk Philadelphia Ms (#12204) stress score moved from 86.7 on June 22, 2026 to 85.2 on October 19, 2026; Citizens Bk Philadelphia Ms (#12204) ranged 85.2 to 86.7 over 116 snapshots.
Citizens Bk Philadelphia Ms (#12204) alerts: 15 counties; top Citizens Bk Philadelphia Ms (#12204) alert scores: Union County, MS 45 (moderate); Carthage County, MS 28 (low); Flowood County, MS 28 (low); Gulfport County, MS 28 (low); Hattiesburg County, MS 28 (low).