Citizens Bank & Trust Co.


Citizens Bank & Trust Co. is an FDIC insured institution headquartered at 239 E Main St, Marks, MS 38646.
It was founded in 1917 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - October 07, 2025

SAVINGS RATES APY MIN
Savings
0.15% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.65% $10,000 Compare
6 Mo CD
0.65% $100,000 Compare
12 Mo CD
0.70% $10,000 Compare
12 Mo CD
0.70% $100,000 Compare
24 Mo CD
0.80% $10,000 Compare
24 Mo CD
0.80% $100,000 Compare
36 Mo CD
1.00% $10,000 Compare
36 Mo CD
1.00% $100,000 Compare
48 Mo CD
1.16% $10,000 Compare
48 Mo CD
1.16% $100,000 Compare
60 Mo CD
1.21% $10,000 Compare
60 Mo CD
1.21% $100,000 Compare
MM RATES APY MIN
Money Market
0.15% $2,500 Compare
Money Market
0.20% $10,000 Compare
Money Market
0.20% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.15% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9777
Date Established 1917
Assets $ 100.02 million
Loans $ 66.46 million
Deposits $ 85.03 million
Capital $ 13.38 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 15.14 million
Interest-bearing balances $ 13.29 million
Total securities $ 9.06 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 66.46 million
Loan loss allowance $ 1.94 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.14 million
Goodwill and other intangibles N.A.
All other assets $ 8.05 million
     Total Assets $ 86.64 million

LIABILITIES
Total deposits $ 85.03 million
      Interest-bearing deposits $ 58.68 million
      Deposits held in domestic offices $ 85.03 million
      % insured (estimated)" 73.55%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.76 million
Subordinated debt N.A.
All other liabilities $ 0.54 millionn
      Total Liabilities $ 86.64 million
      Shareholders’ Equity $ 13.38 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 3.14 million
Total Interest Expense $ 0.79 million
Net interest income $ 2.34 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.35 million
Total non interest expense $ 2.12 million
Pre-tax Net Operating Income $ 0.13 million

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Branches

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Citizens Bank & Trust Co. Locations