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BDI
CB

The Citizens Bank of Philadelphia, Mississippi

Philadelphia, MississippiFDIC Cert #12204

STATEEstablished 190826 branches

Holding company: CITIZENS HOLDING CORegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.44%
−56.5%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:4
FDICP3ASSET + LNLSGR
90+ %
0.00%
−72.6%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + LNLSGR
Nonaccrual %
0.54%
+4.5%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:4
FDICNAASSET + LNLSGR
Noncurrent %
0.54%
+3.6%y/y
Peer standing48th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.40%
+18.9%y/y
Peer standing52nd percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$6.15M
+14.6%y/y
Peer standing54th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.52%
+5,775.5%y/y
Peer standing7th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + LNLSGR
NCO
$1.07M
+6,606.3%y/y
Peer standing9th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.05%
+10.7%y/y
Percentile by value29th percentileby value
Peer standing in ubpr:primary:4
FDICLNATRES + LNLSGR
30–89
$3.74M
−54.2%y/y
Peer standing51st percentile
Peer standing in ubpr:primary:4
FDICP3ASSET
90+
$15K
−71.2%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET
Nonaccrual
$4.54M
+10.0%y/y
Peer standing55th percentile
Peer standing in ubpr:primary:4
FDICNAASSET