Citizens Bank & Trust Co. (MS)

Overview / Commentary

662-326-8047

239 East Main St
Marks, MS 38646

Citizens Bank & Trust Co. (MS) is headquartered in Marks and is the 59^th largest bank in the state of Mississippi. It is also the 3,781^st 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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Health

Data as of Q3 2021

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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

Overall
FDIC Certificate #	9777
Year Established	1917
Employees	31
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-1.93%
Return on Equity - YTD	-31.25%
Annual Interest Income	$2.7MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$127.1MM$136.9MM
Loans	Q3 2021vs Q3 2020	$69.8MM$72.5MM
Deposits	Q3 2021vs Q3 2020	$107.6MM$113.5MM
Equity Capital	Q3 2021vs Q3 2020	$8.0MM$9.6MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$2.1MM$2.2MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$7.3MM$9.0MM
Real Estate Owned	Q3 2021vs Q3 2020	$226.00K$1.2MM

Rates

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Money Market
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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
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Citizens Bank & Trust Co. (MS) Locations
Tunica Branch	1411 Main Street	Tunica, MS 38676
Citizens Bank & Trust Co.	239 E Main St	Marks, MS 38646

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