Citizens Bank of Philadelphia, The
Philadelphia, MS · Cert 12204 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 69% of banks $1B-$10B in assets operating in a single state (rank 80 of 258).
- Widest gap: equity / assets trails 99% of banks $1B-$10B in assets operating in a single state (rank 255 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.79%
Rank 214 of 258
Net Interest Margin
3.09%
Rank 203 of 258
Efficiency Ratio
71.08%
Rank 202 of 257
Equity / Assets
5.58%
Rank 255 of 258
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% | 1.54% | Beats 17% | 214 / 258 | |
| Return on Equity | 14.11% | 9.26% | 11.84% | 14.74% | Beats 69% | 80 / 258 | |
| Net Interest Margin | 3.09% | 3.16% | 3.49% | 3.88% | Beats 21% | 203 / 258 | |
| Efficiency Ratio | 71.08% | 51.71% | 60.30% | 69.65% | Beats 22% | 202 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.19% | 0.46% | 0.90% | Beats 47% | 138 / 258 | |
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.02% | 0.07% | Beats 14% | 223 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.38% | 11.41% | 12.98% | 15.12% | Beats 40% | 156 / 258 | |
| Total Risk-Based Capital Ratio | 13.36% | 12.10% | 13.91% | 16.08% | Beats 43% | 147 / 258 | |
| Equity / Assets | 5.58% | 9.09% | 10.24% | 11.72% | Beats 1% | 255 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 67.82% | 73.24% | 86.34% | 95.95% | 16th pctl | 216 / 258 | |
| Loans / Assets | 57.46% | 63.01% | 72.27% | 78.40% | 15th pctl | 220 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |