PackageTrendsPeer
Letter portraitLegal landscape

Citizens Bank of Philadelphia, The

Philadelphia, MS · Cert 12204 · Citizens Holding Co.

State charter, non-member · FDIC · 26 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

22

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Bank of Philadelphia, The

Philadelphia, MS · Cert 12204 · Citizens Holding Co.

State charter, non-member · FDIC · 26 branches

Q2 2026

$1.6BAssets
$894.0MLoans
$1.3BDeposits
$86.9MEquity
Loan mix
87%RE $726.3M10%C&I $85.2M3%Consumer $20.9MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $1.0B23%Noninterest $0.3BQ3 2024Q2 2026

Market Position · Gulfport-Biloxi, MS · 2026 SOD (annual) · 1.0% share · #11 of 16 inst. · $0.1B of $8.5B

69.2% Neshoba
26.6% Winston
16.5% Leake
4.6% Lauderdale

Executive Summary

  • Earnings: ROA of 0.80%, up 26 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.47% of loans (-30 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 9.11%, up 86 bps from a year ago.
  • Funding: loans stand at 67.82% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+28 bps YoY

Efficiency Ratio (YTD, annualized)

70.91%-505 bps YoY

Tier 1 Leverage Ratio

9.11%+86 bps YoY

NIM

4.25%Q2 ’244.58%Q2 ’254.61%Q2 ’26+21%+10%

Non-interest income vs. expense

2.49%Q2 ’242.66%Q2 ’252.96%Q2 ’26+57%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.47%0.55%0.54%0.58%0.59%0.68%0.80%+26 bps
Return on Equity11.27%11.05%13.25%13.27%13.86%13.56%13.33%15.19%+193 bps
Net Interest Margin2.37%2.44%2.73%2.81%2.83%2.90%3.07%3.09%+28 bps
Efficiency Ratio74.44%75.73%75.56%75.96%75.56%75.85%72.22%70.91%-505 bps
Non-Interest Burden1.48%1.60%1.87%1.95%1.95%2.01%1.91%1.86%-9 bps
Growth
Asset Growth (YoY)4.39%4.69%7.76%12.12%7.97%2.82%-3.59%-5.16%-1,728 bps
Loan Growth (YoY)21.17%19.33%20.45%20.43%16.82%9.95%5.20%9.29%-1,114 bps
Deposit Growth (YoY)-8.52%-8.42%1.64%8.17%8.23%24.81%9.38%4.16%-402 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.50%0.52%0.77%0.62%0.45%0.54%0.47%-30 bps
Net Charge-Offs / Loans0.00%0.02%0.01%0.02%0.02%0.02%0.51%0.28%+25 bps
Allowance / Loans0.96%0.91%0.95%1.00%1.04%1.06%1.05%1.06%+6 bps
Allowance Coverage of NPLs1.6x1.8x1.8x1.3x1.7x2.4x1.9x2.3x+1.0x
Capital
Tier 1 Leverage Ratio8.24%8.33%8.16%8.25%8.30%8.45%8.97%9.11%+86 bps
Total Risk-Based Capital13.70%13.00%12.80%12.85%12.97%13.06%13.41%13.36%+51 bps
Equity / Assets4.45%4.27%4.09%3.94%4.48%4.95%5.25%5.58%+164 bps
Liquidity & Funding
Loans / Deposits65.11%71.49%65.33%64.64%70.28%62.97%62.83%67.82%+319 bps
Liquid Assets / Assets31.49%27.04%30.50%31.93%29.78%26.67%27.36%27.38%-456 bps
CRE / Total Capitaln/an/an/an/a442%435%412%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Bank of Philadelphia, The

Philadelphia, MS · Cert 12204 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Citizens Holding Co.

State charter, non-member · FDIC · 26 branches

Q2 2026

$1.6BAssets
$894.0MLoans
$1.3BDeposits
$86.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 70% of banks $1B-$10B in assets operating in a single state (rank 81 of 269).
  • Widest gap: equity / assets trails 99% of banks $1B-$10B in assets operating in a single state (rank 267 of 269).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.79%

Rank 223 of 269

Net Interest Margin

3.09%

Rank 210 of 269

Efficiency Ratio

71.08%

Rank 210 of 268

Equity / Assets

5.58%

Rank 267 of 269

Non-interest income vs. expense

$16.9M$45.3MINCOMEEXPENSE
Unfavorable gap of $28.5M · efficiency ratio beats 22% of banks $1B-$10B in assets operating in a single state
Bank 71.08%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.79%0.93%1.23%1.54%Beats 17%223 / 269
Return on Equity14.11%9.13%11.77%14.52%Beats 70%81 / 269
Net Interest Margin3.09%3.16%3.50%3.88%Beats 22%210 / 269
Efficiency Ratio71.08%51.70%60.21%69.66%Beats 22%210 / 268
Asset Quality
Nonperforming Loans / Loans0.47%0.19%0.45%0.89%Beats 46%145 / 269
Net Charge-Offs / Loans0.15%0.01%0.02%0.06%Beats 13%234 / 269
Capital
Tier 1 Capital Ratio12.38%11.29%13.10%15.21%Beats 41%160 / 269
Total Risk-Based Capital Ratio13.36%12.04%13.91%16.33%Beats 44%150 / 269
Equity / Assets5.58%9.18%10.29%11.76%Beats 1%267 / 269
Liquidity & Funding
Loans / Deposits67.82%72.68%86.29%95.72%16th pctl225 / 269
Loans / Assets57.46%62.46%72.27%78.37%16th pctl227 / 269
Brokered Deposits / Depositsn/aNot reported for this institution