The Citizens Bank of Philadelphia, Mississippi (FDIC certificate #12204) is based in Philadelphia, Mississippi. Its Q2 2026 call report shows $1.6B in total assets and $1.3B in deposits and 26 offices.
The Citizens Bank of Philadelphia, Mississippi has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 57 banks headquartered in Mississippi, it ranks 35th. Funding & liquidity contributes the most (92/100, 67% loans-to-deposits, 17% uninsured); capital cushion contributes the least (41/100, 9.11%).
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 7 points (59 → 66), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 62 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 64 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.20% |
| Q3 2024 | 8.24% |
| Q4 2024 | 8.33% |
| Q1 2025 | 8.16% |
| Q2 2025 | 8.25% |
| Q3 2025 | 8.30% |
| Q4 2025 | 8.45% |
| Q1 2026 | 8.97% |
| Q2 2026 | 9.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.47% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.6B | 9.11% | 0.47% | 0.80% | 67.1% |
| Q1 2026 | 65 | $1.5B | 8.97% | 0.54% | 0.68% | 62.2% |
| Q4 2025 | 64 | $1.5B | 8.45% | 0.45% | 0.59% | 62.3% |
| Q3 2025 | 60 | $1.6B | 8.30% | 0.62% | 0.58% | 69.5% |
| Q2 2025 | 59 | $1.6B | 8.25% | 0.77% | 0.54% | 64.0% |
| Q1 2025 | 62 | $1.6B | 8.16% | 0.52% | 0.55% | 64.7% |
| Q4 2024 | 60 | $1.5B | 8.33% | 0.50% | 0.47% | 70.8% |
| Q3 2024 | 60 | $1.5B | 8.24% | 0.59% | 0.48% | 64.5% |
| Q2 2024 | 62 | $1.5B | 8.20% | 0.57% | 0.64% | 57.5% |
897 peers · $1 billion – $10 billion
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 |
|---|---|---|---|---|---|
| TownBridge BankBank Pascagoula, MS | 61 out of 100, Moderate | $1.3B | 8.8% | 1.94% | vs |
| The Citizens National Bank of MeridianBank Meridian, MS | 70 out of 100, Strong | $1.9B | 11.3% | 0.87% | vs |
| PriorityOne BankBank Magee, MS | 70 out of 100, Strong | $1.2B | 11.9% | 1.58% | vs |
| Bank of CommerceBank Greenwood, MS | 72 out of 100, Strong | $1.1B | 12.9% | 0.88% | vs |
| Story Bank DBA Story Financial PartnersBank Jackson, MS | 66 out of 100, Moderate | $1.0B | 10.8% | 0.37% | vs |
| Planters Bank & Trust CompanyBank Indianola, MS | 71 out of 100, Strong | $2.7B | 11.2% | 0.61% | vs |
Deposit insurance
Is my money safe at The Citizens Bank of Philadelphia, Mississippi?
Yes. The Citizens Bank of Philadelphia, Mississippi is an FDIC-insured institution (FDIC certificate #12204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($218.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.36% (benchmark: 10%).
26 locations
Branches
The Citizens Bank of Philadelphia, Mississippi lists 26 offices in 22 cities. Most locations:
- Philadelphia, MS (3)
- Biloxi, MS (2)
- Louisville, MS (2)
- Carthage, MS (1)
- Collinsville, MS (1)
- Decatur, MS (1)
- De Kalb, MS (1)
- Flowood, MS (1)
- Forest, MS (1)
- Gulfport, MS (1)
- Hattiesburg, MS (1)
- Kosciusko, MS (1)
Identity & history
Profile
- Legal name
- The Citizens Bank of Philadelphia, Mississippi
- Type
- State-chartered bank
- FDIC certificate #
- 12204
- RSSD ID
- 29636
- Primary regulator
- FDIC
- Holding company
- Citizens Holding Co
- Established
- January 1, 1908
- Headquarters
- 521 W Main St, Philadelphia, MS 39350
- Website
- www.thecitizensbankphila.com
- Employees
- 270
Quick answers
The Citizens Bank of Philadelphia, Mississippi: common questions
Is The Citizens Bank of Philadelphia, Mississippi FDIC insured?
Yes. The Citizens Bank of Philadelphia, Mississippi is an FDIC-insured institution (FDIC certificate #12204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank of Philadelphia, Mississippi's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens Bank of Philadelphia, Mississippi ever failed?
There is no failure record for FDIC certificate #12204 in the FDIC failed bank list.
How many branches does The Citizens Bank of Philadelphia, Mississippi have?
26 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Philadelphia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Neshoba Federal Credit UnionCredit union Philadelphia, MS | 81 out of 100, Strong | $24.6M | 13.2% | 0.91% | vs |
| The Commercial BankBank De Kalb, MS | 72 out of 100, Strong | $295.5M | 10.6% | 0.25% | vs |
| The Citizens National Bank of MeridianBank Meridian, MS | 70 out of 100, Strong | $1.9B | 11.3% | 0.87% | vs |
| The Bank of ForestBank Forest, MS | 68 out of 100, Moderate | $296.3M | 10.9% | 1.30% | vs |
| Renasant BankBank Tupelo, MS | 64 out of 100, Moderate | $27.0B | 10.7% | 0.96% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |