Citizens Bank of Philadelphia, The
Philadelphia, MS · Cert 12204 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 267).
- Widest gap: equity / assets trails 99% of banks $1B-$10B in assets operating in a single state (rank 265 of 267).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.79%
Rank 221 of 267
Net Interest Margin
3.09%
Rank 208 of 267
Efficiency Ratio
71.08%
Rank 208 of 266
Equity / Assets
5.58%
Rank 265 of 267
Non-interest income vs. expense
Unfavorable gap of $28.5M · efficiency ratio beats 22% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.93% | 1.23% | 1.55% | Beats 17% | 221 / 267 | |
| Return on Equity | 14.11% | 9.16% | 11.84% | 14.56% | Beats 70% | 81 / 267 | |
| Net Interest Margin | 3.09% | 3.12% | 3.50% | 3.88% | Beats 22% | 208 / 267 | |
| Efficiency Ratio | 71.08% | 51.36% | 60.21% | 69.66% | Beats 22% | 208 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.19% | 0.46% | 0.89% | Beats 48% | 141 / 267 | |
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.02% | 0.06% | Beats 13% | 233 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 12.38% | 11.29% | 13.05% | 15.13% | Beats 40% | 159 / 267 | |
| Total Risk-Based Capital Ratio | 13.36% | 11.95% | 13.87% | 16.27% | Beats 44% | 149 / 267 | |
| Equity / Assets | 5.58% | 9.18% | 10.29% | 11.76% | Beats 1% | 265 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 67.82% | 72.68% | 86.16% | 95.22% | 16th pctl | 223 / 267 | |
| Loans / Assets | 57.46% | 62.46% | 71.96% | 78.38% | 15th pctl | 226 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |