Philadelphia, MS · Cert 12204 · Citizens Holding Co.
State charter, non-member · FDIC · 26 branches
Q2 2026
Market Position · Gulfport-Biloxi, MS · 2026 SOD (annual) · 1.0% share · #11 of 16 inst. · $0.1B of $8.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.58% | 0.59% | 0.68% | 0.80% | +26 bps | |
| Return on Equity | 13.27% | 13.86% | 13.56% | 13.33% | 15.19% | +193 bps | |
| Net Interest Margin | 2.81% | 2.83% | 2.90% | 3.07% | 3.09% | +28 bps | |
| Efficiency Ratio | 75.96% | 75.56% | 75.85% | 72.22% | 70.91% | -505 bps | |
| Non-Interest Burden | 1.95% | 1.95% | 2.01% | 1.91% | 1.86% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.12% | 7.97% | 2.82% | -3.59% | -5.16% | -1,728 bps | |
| Loan Growth (YoY) | 20.43% | 16.82% | 9.95% | 5.20% | 9.29% | -1,114 bps | |
| Deposit Growth (YoY) | 8.17% | 8.23% | 24.81% | 9.38% | 4.16% | -402 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.62% | 0.45% | 0.54% | 0.47% | -30 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | 0.51% | 0.28% | +25 bps | |
| Allowance / Loans | 1.00% | 1.04% | 1.06% | 1.05% | 1.06% | +6 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.7x | 2.4x | 1.9x | 2.3x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.25% | 8.30% | 8.45% | 8.97% | 9.11% | +86 bps | |
| Total Risk-Based Capital | 12.85% | 12.97% | 13.06% | 13.41% | 13.36% | +51 bps | |
| Equity / Assets | 3.94% | 4.48% | 4.95% | 5.25% | 5.58% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.64% | 70.28% | 62.97% | 62.83% | 67.82% | +319 bps | |
| Liquid Assets / Assets | 31.93% | 29.78% | 26.67% | 27.36% | 27.38% | -456 bps | |
| CRE / Total Capital | n/a | 442% | 435% | 412% | n/a | n/a | |