Citizens Bank & Trust Co. is a state-chartered bank headquartered in Marks, Mississippi, in business for about 109 years. At the end of Q2 2026 it reported $98.6M in total assets and $83.0M in deposits, with 2 offices.
Based on its Q2 2026 filing, Citizens Bank & Trust Co. scores 53/100, which we describe as below average. That is higher than only 12% of 546 banks with under $100 million in assets. Among 57 banks headquartered in Mississippi, it ranks 55th. Its strongest component is capital cushion (90/100; 14.00%), and its lowest is loan quality (0/100; 5.50%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (50 → 53), mostly because the capital cushion component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 51 |
| Q4 2024 | 51 |
| Q1 2025 | 47 |
| Q2 2025 | 50 |
| Q3 2025 | 56 |
| Q4 2025 | 56 |
| Q1 2026 | 51 |
| Q2 2026 | 53 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.27% |
| Q3 2024 | 13.15% |
| Q4 2024 | 11.95% |
| Q1 2025 | 11.30% |
| Q2 2025 | 12.84% |
| Q3 2025 | 13.99% |
| Q4 2025 | 14.05% |
| Q1 2026 | 12.36% |
| Q2 2026 | 14.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.45% |
| Q3 2024 | 3.79% |
| Q4 2024 | 3.56% |
| Q1 2025 | 4.11% |
| Q2 2025 | 4.74% |
| Q3 2025 | 4.42% |
| Q4 2025 | 5.59% |
| Q1 2026 | 4.45% |
| Q2 2026 | 5.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.88% |
| Q4 2024 | 1.01% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.84% |
| Q3 2025 | 1.07% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.90% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $98.6M | 14.00% | 5.50% | 0.92% | 83.2% |
| Q1 2026 | 51 | $105.4M | 12.36% | 4.45% | 0.90% | 70.2% |
| Q4 2025 | 56 | $101.2M | 14.05% | 5.59% | 0.96% | 72.1% |
| Q3 2025 | 56 | $96.6M | 13.99% | 4.42% | 1.07% | 81.8% |
| Q2 2025 | 50 | $100.0M | 12.84% | 4.74% | 0.84% | 78.2% |
| Q1 2025 | 47 | $105.9M | 11.30% | 4.11% | 0.76% | 67.7% |
| Q4 2024 | 51 | $104.1M | 11.95% | 3.56% | 1.01% | 71.4% |
| Q3 2024 | 51 | $103.4M | 13.15% | 3.79% | 0.88% | 87.4% |
| Q2 2024 | 50 | $105.6M | 12.27% | 3.45% | 0.80% | 80.8% |
546 peers · Under $100 million in assets
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Genesis BankBank Benoit, MS | 54 out of 100, Below average | $97.2M | 19.6% | 2.85% | vs |
| Amory First Savings And Loan Bank, SsbBank Amory, MS | 66 out of 100, Moderate | $78.7M | 13.1% | 1.37% | vs |
| Richton Bank & Trust CompanyBank Richton, MS | 90 out of 100, Very strong | $52.0M | 15.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens Bank & Trust Co.?
Yes. Citizens Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #9777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.8% of deposits ($21.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.21% (benchmark: 10%).
2 locations
Branches
Citizens Bank & Trust Co. lists 2 offices in 2 cities. Most locations:
- Marks, MS (1)
- Tunica, MS (1)
Identity & history
Profile
- Legal name
- Citizens Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 9777
- RSSD ID
- 729945
- Primary regulator
- FDIC
- Holding company
- Cb&t Bancshares Inc
- Established
- August 17, 1917
- Headquarters
- 239 E Main St, Marks, MS 38646
- Website
- www.cbt-co.com
- Employees
- 30
Quick answers
Citizens Bank & Trust Co.: common questions
Is Citizens Bank & Trust Co. FDIC insured?
Yes. Citizens Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #9777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank & Trust Co.'s TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank & Trust Co. ever failed?
There is no failure record for FDIC certificate #9777 in the FDIC failed bank list.
How many branches does Citizens Bank & Trust Co. have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marks
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of ClarksdaleBank Clarksdale, MS | 73 out of 100, Strong | $386.1M | 12.8% | 0.64% | vs |
| Bank of CommerceBank Greenwood, MS | 72 out of 100, Strong | $1.1B | 12.9% | 0.88% | vs |
| Planters Bank & Trust CompanyBank Indianola, MS | 71 out of 100, Strong | $2.7B | 11.2% | 0.61% | vs |
| Partners BankBank Helena, AR | 71 out of 100, Strong | $417.1M | 13.7% | 0.93% | vs |
| First Security BankBank Batesville, MS | 66 out of 100, Moderate | $976.5M | 9.3% | 0.55% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |