Overview / Commentary
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.
Health
C-
Data as of Q2 2019
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| FDIC Certificate # | 9777 |
| Year Established | 1917 |
| Employees | 37 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -2.76% |
| Return on Equity - YTD | -29.16% |
| Annual Interest Income | $3.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $135.7MM$136.1MM |
| Loans | Q2 2019vs Q2 2018 | $98.1MM$105.9MM |
| Deposits | Q2 2019vs Q2 2018 | $112.6MM$103.9MM |
| Equity Capital | Q2 2019vs Q2 2018 | $11.3MM$13.5MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $802.00K$1.0MM |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $4.3MM$965.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $1.4MM$158.00K |
Rates
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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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.76% | $1k | - | 60 Month CD | |
| 1.61% | $1k | - | 48 Month CD | |
| 1.56% | $1k | - | 36 Month CD | |
| 1.41% | $1k | - | 24 Month CD | |
| 1.00% | $1k | - | 12 Month CD | |
| 0.75% | $1k | - | 6 Month CD | |
| 0.35% | $1k | - | 3 Month CD | |
| 0.15% | $1k | - | 30 Day CD |
Locations
| Citizens Bank & Trust Co. (MS) Locations | ||
|---|---|---|
| Tunica Branch | 1411 Main Street | Tunica, MS 38676 |
| Citizens Bank & Trust Co. | 239 East Main St | Marks, MS 38646 |
| Walls Branch | 6851 Highway 301 | Walls, MS 38680 |