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 56^th largest bank in the state of Mississippi. It is also the 3,560^th largest bank in the nation. It was established in 1917 and as of June of 2020, it had grown to 36 employees at 3 locations. Citizens Bank & Trust Co. (MS) has a C- health rating.

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Health

C-

Data as of Q2 2020

Learn why bank health matters

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	36
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-1.42%
Return on Equity - YTD	-17.87%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$141.5MM$135.7MM
Loans	Q2 2020vs Q2 2019	$75.5MM$98.1MM
Deposits	Q2 2020vs Q2 2019	$116.9MM$112.6MM
Equity Capital	Q2 2020vs Q2 2019	$10.9MM$11.3MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$949.00K$802.00K
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$7.3MM$4.3MM
Real Estate Owned	Q2 2020vs Q2 2019	$1.3MM$1.4MM

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
0.09%	$100	-	Regular Savings Account
0.09%	$50	-	Health Savings NOW Account
0.09%	$10	-	Christmas Club Account
0.09%	$5k	-	Savings Account

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

APY	MIN	MAX	ACCOUNT NAME
0.14%^*	$100k^*	-	Super Money Market Deposit Account
OTHER TIERS: 0.09% → Up to $100k
0.09%	-	-	Money Market Deposit Account

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

APY	MIN	MAX	ACCOUNT NAME
0.09%	$250	-	Premier NOW Account
0.09%	$250	-	Premier Plus NOW Account
0.09%	$250	-	NOW Account

Citizens Bank & Trust Co. (MS) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$1k	-	60 Month CD
0.60%	$1k	-	48 Month CD
0.50%	$1k	-	36 Month CD
0.45%	$1k	-	24 Month CD
0.35%	$1k	-	12 Month CD
0.20%	$1k	-	6 Month CD
0.15%	$1k	-	30 Day CD
0.15%	$1k	-	3 Month 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

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