Citizens Bank & Trust Co. (MS)

Overview / Commentary
239 East Main St
Marks, MS 38646

Citizens Bank & Trust Co. (MS) is headquartered in Marks and is the 56th largest bank in the state of Mississippi. It is also the 3,555th largest bank in the nation. It was established in 1917 and as of June of 2019, it had grown to 37 employees at 3 locations. Citizens Bank & Trust Co. (MS)'s money market rates are 70% higher than the national average, but it has a C- health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens Bank & Trust Co. (MS) has a negative return on equity.

Health Grade Components

FDIC Certificate #9777
Year Established1917
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-2.76%
Return on Equity - YTD-29.16%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$135.7MM$136.1MM
LoansQ2 2019vs Q2 2018$98.1MM$105.9MM
DepositsQ2 2019vs Q2 2018$112.6MM$103.9MM
Equity CapitalQ2 2019vs Q2 2018$11.3MM$13.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$802.00K$1.0MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$4.3MM$965.00K
Real Estate OwnedQ2 2019vs Q2 2018$1.4MM$158.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Bank & Trust Co. (MS) Savings Account Rates

0.90%$100-Long Term IRA
0.25%$100-Regular Savings Account
0.25%$50-Health Savings NOW Account
0.25%$5k-Savings Account
0.20%$10-Christmas Club Account

Citizens Bank & Trust Co. (MS) Money Market Rates

0.75%*$100k*-Super Money Market Deposit Account
OTHER TIERS: 0.30% Up to $25k | 0.35% $25k - $50k | 0.55% $50k - $100k
0.30%--Money Market Deposit Account

Citizens Bank & Trust Co. (MS) Checking Account Rates

0.25%$250-Premier NOW Account
0.25%$250-Premier Plus NOW Account
0.25%$250-NOW Account

Citizens Bank & Trust Co. (MS) CD Rates

1.66%$1k-60 Month CD
1.56%$1k-48 Month CD
1.51%$1k-36 Month CD
1.36%$1k-24 Month CD
1.11%$1k-12 Month CD
0.95%$1k-6 Month CD
0.35%$1k-3 Month CD
0.15%$1k-30 Day CD

Citizens Bank & Trust Co. (MS) Locations
Tunica Branch1411 Main StreetTunica, MS 38676
Citizens Bank & Trust Co.239 East Main StMarks, MS 38646
Walls Branch6851 Highway 301Walls, MS 38680

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