9.70
-1.02%
Close of 9 Nov 2026, in USD
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About Citizens Holding
From its filings with the US Securities and Exchange Commission
Citizens Holding is based in Philadelphia, Mississippi and is incorporated in Mississippi. Its shares trade on OTC under the ticker CIZN. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2023, it reported net income of $1.9m. At that date it held total assets of $1.40bn and shareholders' equity of $42.8m.
The principal executive offices of both the Company and the Bank are located at 521 Main Street, Philadelphia, Mississippi 39350, and the main telephone number is (601) 656-4692. All references hereinafter to the activities or operations of the Company reflect the Company’s activities or operations through the Bank.
Through its ownership of the Bank, the Company engages in a wide range of commercial and personal banking activities, including accepting demand deposits, savings and time deposit accounts, making secured and unsecured loans, issuing letters of credit, originating mortgage loans, and providing personal and corporate trust services. The Company also provides certain services that are closely related to commercial banking such as credit life insurance and title insurance for its loan customers through third-party relationships.
Revenues from the Company’s lending activities constitute the largest component of the Company’s operating revenues. Revenue from loan interest and fees made up 56.5% of gross revenues in 2023, 53.8% in 2022 and 61.6% in 2021. Loan demand was stagnant and loan yields compressed due to the low-rate environment coupled with aggressive loan terms offered by other financial institutions. The Company’s primary lending area is the entire state of Mississippi and contiguous states. The Company continues to look for areas of growth within the state of Mississippi and surrounding states but, occasionally the Company extends out-of-area credit to borrowers who are considered to be low risk, as defined within the Bank’s lending policy.
Quoted from its 10-K, filed 29 Mar 2024. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 19 Oct 1999
- Employees
- 264
- Website
- citizensholdingcompany.com ↗
- Head office
- P O BOX 209, PHILADELPHIA, MS, 39350
- Incorporated in
- MS
- Classification
- State Commercial Banks
- Filer status
- Non-accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Herbert KingIndependent Chairman of the Board$29,185
- Mr. Stacy BrantleyPresident, Chief Executive Officer, Director, President and Chief Executive Officer of the Bank, since 2023$859,374
- Mr. Phillip BranchChief Financial Officer, Treasurer$221,405
- Mr. Gregory CroninDirector$29,185
- Mr. Gregory MckeeDirector, since 2002$255,205
- Ms. Jane CrosswhiteIndependent Director$29,185
- Dr. Craig DunganIndependent Director$47,049
- Mr. Donald KilgoreIndependent Director$29,185
- Mr. David KingIndependent Director$49,032
- Mr. Daniel MarsIndependent Director$37,935
- Mr. Jason VoylesIndependent Director$29,485
- Mr. David WebbIndependent Director$43,877
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 22
- Environment
- 2
- Social
- 31
- Governance
- 34
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Citizens Holding Co possesses several strengths that contribute to its success in the market. One significant strength is its strong financial position, which allows the company to invest in strategic initiatives and withstand market fluctuations. Additionally, their established brand reputation and customer loyalty enable them to maintain a stable customer base. Furthermore, their experienced management team provides effective leadership and decision-making capabilities.
Weaknesses
- Despite its strengths, Citizens Holding Co also faces certain weaknesses that need to be addressed for continued growth. One weakness is the limited geographic presence, as the company operates primarily in a specific region. This limits their potential market reach and growth opportunities. Additionally, the company heavily relies on traditional banking methods, which may pose challenges in adapting to rapidly changing technology trends.
Opportunities
- There are several opportunities that Citizens Holding Co can explore to expand and improve its market position. One opportunity is the potential for geographic expansion into new markets, allowing the company to tap into a larger customer base. Moreover, the growing demand for digital banking services presents an opportunity for the company to develop and offer innovative technological solutions to its customers. Additionally, strategic collaborations or acquisitions could further enhance their market presence.
Threats
- Citizens Holding Co faces certain threats that could impact its business operations and market position. Intense competition within the banking industry poses a significant threat, as it requires constant efforts to differentiate and attract customers. Economic downturns or financial crises may also pose risks to the company's financial stability. Additionally, stringent government regulations within the banking sector could impose limitations or additional costs on the company's operations.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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