This institution is no longer active

Operations ceased on December 1, 2020. CRA examination history below reflects the period it was active.

CITIZENS BANK

BYHALIA, MS · Supervised by FDIC

Est. 1919FDIC #11,432RSSD: FDIC-11432

Part ofMARSHALL FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: September 2019

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.67%

Institution Profile

FDIC BankFind

Address

8077 State Highway 178, BYHALIA, MS

County

Marshall County

Established

November 1, 1919

Total Assets

$86M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 2019

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2020Call Report / FDIC

Total Assets

$86M

Total Deposits

$75M

Net Loans

$38M

Net Income

$408K

ROA

0.67%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.43%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.67%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2019	Outstanding	Small Bank
Jul 2013	Satisfactory	Small Bank
Aug 2008	Satisfactory	Small Bank

5 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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