Citizens Bank (FDIC #324): Bank Stress & Real-Estate Credit Exposure
Citizens Bank (FDIC Cert #324): bank stress 33/100, contained, STABLE over 7 days; parent CITIZENS CORP.
Citizens Bank (#324) lends in 6 counties across 1 state; Citizens Bank (#324) reaches 33 ZIP codes: Mississippi 6 counties, 33 ZIPs.
Citizens Bank (#324) largest markets: Jones County, MS (13 branches, 13 ZIPs) (#324), Covington County, MS (8 branches, 8 ZIPs) (#324), Marion County, MS (16 branches, 8 ZIPs) (#324), Pike County, MS (8 branches, 8 ZIPs) (#324), Lamar County, MS (12 branches, 6 ZIPs) (#324), Walthall County, MS (6 branches, 6 ZIPs) (#324).
Citizens Bank (#324) reports $466.3 million in total assets; Citizens Bank (#324) equity $59.8 million (12.8% of Citizens Bank (#324) assets); Citizens Bank (#324) domestic deposits $401.3 million; Citizens Bank (#324) net income $5.7 million; Citizens Bank (#324) return on assets 2.40%; Citizens Bank (#324) return on equity 19.17%; Citizens Bank (#324) net interest income $11.4 million; Citizens Bank (#324) call report June 30, 2026.
Citizens Bank (#324) noncurrent real-estate loans: none reported; Citizens Bank (#324) net charge-offs on real estate 0.31%; Citizens Bank (#324) residential charge-offs 0.16%.
Citizens Bank (#324) net interest margin 5.11% against an eight-quarter Citizens Bank (#324) average of 4.88% (Citizens Bank (#324) compression -0.23 points); Citizens Bank (#324) real-estate loans 0.4% of equity; Citizens Bank (#324) non-residential real estate 16.4% of equity; Citizens Bank (#324) rate-exposure score 40/100, Citizens Bank (#324) fixed-rate trap 40/100; Citizens Bank (#324) risk type rate trapped; Citizens Bank (#324) rate regime rates elevated, Citizens Bank (#324) snapshot October 19, 2026.
Citizens Bank (#324) stress score moved from 35.7 on June 22, 2026 to 32.6 on October 19, 2026; Citizens Bank (#324) ranged 32.6 to 35.7 over 116 snapshots.
Citizens Bank (#324) alerts: 6 counties; top Citizens Bank (#324) alert scores: Columbia County, MS 15 (low); Laurel County, MS 15 (low); Magnolia County, MS 15 (low); Seminary County, MS 15 (low); Sumrall County, MS 15 (low).