Citizens Bank & Trust Co. (MS)

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cbt-co.com

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 3,757^th largest bank in the nation. It was established in 1917 and as of March of 2025, it had grown to 30 employees at 2 locations. Citizens Bank & Trust Co. (MS)'s money market rates are 2X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	9777
Year Established	1917
Employees	30
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.76%
Return on Equity - YTD	6.32%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$105.9MM$108.9MM
Loans	Q1 2025vs Q1 2024	$61.9MM$56.2MM
Deposits	Q1 2025vs Q1 2024	$91.4MM$86.9MM
Equity Capital	Q1 2025vs Q1 2024	$12.7MM$12.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2MM$2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.6MM$2.9MM
Real Estate Owned	Q1 2025vs Q1 2024	$144K$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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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
1.00%^*	$50k^*	-	Savings Account
OTHER TIERS: 0.50% → $0 - $50k
0.25%	$100	-	Regular Savings Account
0.25%	$50	-	Health Savings NOW Account
0.25%	$10	-	Christmas Club Account

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

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	Super Money Market Deposit Account
OTHER TIERS: 0.25% → $0 - $10k \| 0.50% → $10k - $25k \| 0.75% → $25k - $50k \| 0.85% → $50k - $100k
0.50%^*	$2.5k^*	-	Money Market Deposit Account
OTHER TIERS: 0.25% → $0 - $2.5k

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

APY	MIN	MAX	ACCOUNT NAME
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
2.79%	$1k	-	36 Month CD
2.79%	$1k	-	48 Month CD
2.79%	$1k	-	60 Month CD
2.53%	$1k	-	24 Month CD
2.00%	$1k	-	12 Month CD
1.51%	$1k	-	6 Month CD
0.75%	$1k	-	3 Month CD
0.35%	$1k	-	30 Day CD

Citizens Bank & Trust Co. (MS) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%	$100	-	Long Term IRA

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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