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The Citizens Bank of Philadelphia, Mississippi


The Citizens Bank of Philadelphia, Mississippi is an FDIC insured institution headquartered at 521 W Main St, Philadelphia, MS 39350.
It was founded in 1908 and has approximately $2 billion in assets. Customers can open an account at one of its 23 branches.

Deposit Rates - May 26, 2026

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.20% $100,000 Compare
12 Mo CD
0.30% $10,000 Compare
12 Mo CD
0.30% $100,000 Compare
18 Mo CD
0.35% $10,000 Compare
18 Mo CD
0.35% $100,000 Compare
24 Mo CD
0.45% $10,000 Compare
24 Mo CD
0.45% $100,000 Compare
30 Mo CD
0.50% $10,000 Compare
30 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.55% $10,000 Compare
36 Mo CD
0.55% $100,000 Compare
48 Mo CD
0.55% $10,000 Compare
48 Mo CD
0.55% $100,000 Compare
60 Mo CD
0.65% $10,000 Compare
60 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.03% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12204
Date Established 1908
Assets $ 1,512.48 million
Loans $ 833.42 million
Deposits $ 1,337.63 million
Capital $ 74.87 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 68.12 million
Interest-bearing balances $ 50.99 million
Total securities $ 504.74 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 833.42 million
Loan loss allowance $ 8.95 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.84 million
Goodwill and other intangibles $ 13.11 million
All other assets $ 67.91 million
     Total Assets $ 1,437.62 million

LIABILITIES
Total deposits $ 1,337.63 million
      Interest-bearing deposits $ 1,052.62 million
      Deposits held in domestic offices $ 1,337.63 million
      % insured (estimated)" 86.31%
Federal funds purchased and repurchase agreements $ 74.22 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 12.75 millionn
      Total Liabilities $ 1,437.62 million
      Shareholders’ Equity $ 74.87 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 71.53 million
Total Interest Expense $ 27.33 million
Net interest income $ 44.20 million
Provision for loan and lease losses $ 2.26 million
Total non interest income $ 10.94 million
Total non interest expense $ 41.93 million
Pre-tax Net Operating Income $ 6.11 million

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