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 59th largest bank in the state of Mississippi. It is also the 3,781st largest bank in the nation. It was established in 1917 and as of September of 2021, it had grown to 31 employees at 2 locations. Citizens Bank & Trust Co. (MS) has a D 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-1.93%
Return on Equity - YTD-31.25%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$127.1MM$136.9MM
LoansQ3 2021vs Q3 2020$69.8MM$72.5MM
DepositsQ3 2021vs Q3 2020$107.6MM$113.5MM
Equity CapitalQ3 2021vs Q3 2020$8.0MM$9.6MM
Loan Loss AllowanceQ3 2021vs Q3 2020$2.1MM$2.2MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$7.3MM$9.0MM
Real Estate OwnedQ3 2021vs Q3 2020$226.00K$1.2MM
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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

0.20%$100-Long Term IRA
0.05%$100-Regular Savings Account
0.05%$50-Health Savings NOW Account
0.05%$10-Christmas Club Account
0.05%--Savings Account

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

0.08%*$100k*-Super Money Market Deposit Account
OTHER TIERS: 0.05% Up to $100k
0.05%--Money Market Deposit Account

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

0.05%$250-Premier NOW Account
0.05%$250-Premier Plus NOW Account
0.05%$250-NOW Account

Citizens Bank & Trust Co. (MS) CD Rates

0.50%$1k-60 Month CD
0.40%$1k-48 Month CD
0.35%$1k-36 Month CD
0.30%$1k-24 Month CD
0.20%$1k-12 Month CD
0.10%$1k-6 Month CD
0.05%$1k-30 Day CD
0.05%$1k-3 Month CD

Citizens Bank & Trust Co. (MS) Locations
Tunica Branch1411 Main StreetTunica, MS 38676
Citizens Bank & Trust Co.239 E Main StMarks, MS 38646

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