Citizens Bank: how it compares with its peers
Against 28 MS banks with half to twice its assets, Citizens Bank's strongest measure in Q2 2026 is return on assets (2.40% vs. a 1.05% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $5.4M).
| Measure | Citizens Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.40% | 1.05% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.11% | 3.83% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.74% | 65.55% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $5.4M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.20% | 69.14% | Context |
What it means for lending operations
Its efficiency ratio of 55.74% is better than the 65.55% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- RiverHills Bank Vicksburg, MS · $445M
- Peoples Bank Mendenhall, MS · $503M
- Pike National Bank Mccomb, MS · $409M
- First National Bank of Clarksdale Clarksdale, MS · $386M
- First Federal Savings and Loan Association Pascagoula, MS · $381M
- United Mississippi Bank Natchez, MS · $561M
Questions about Citizens Bank
How big is Citizens Bank?
Citizens Bank, established in 1914, is headquartered in Columbia, MS. It reported $466M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Citizens Bank's return on assets?
2.40% annualized in Q2 2026, against a 1.05% median for 28 MS banks with half to twice its assets, ahead of 93% of them.
What is Citizens Bank's efficiency ratio?
55.74% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 65.55%, and lower is better.
Is Citizens Bank growing its loans?
Net loans grew 1.3% over the year to Q2 2026, while deposits shrank 4.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.