The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 4 points (86 → 90), mostly because the loan quality component improved by 10 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Mississippi

Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.0% of deposits ($64.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.48%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.23% (benchmark: 10%).

Check how much of your own balance is covered

Citizens Bank lists 8 offices in 7 cities. Most locations:

• Columbia, MS (2)
• Hattiesburg, MS (1)
• Laurel, MS (1)
• Magnolia, MS (1)
• Seminary, MS (1)
• Sumrall, MS (1)
• Tylertown, MS (1)

All branch addresses and map

In 2025, Citizens Bank reported 368 home-loan applications under HMDA (LEI 549300V7I9AZRM78QT92): 323 originated ($38,315,000 total), 18 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Citizens Bank

Type

State-chartered bank

FDIC certificate #

324

RSSD ID

514132

Primary regulator

FDIC

Holding company

Citizens Corp

Established

July 15, 1914

Headquarters

814 Main St, Columbia, MS 39429

Website

www.citizensbk.com

Employees

114