🏦Bank Scorer

CITIZENS BANK & TRUST CO.

MARKS, MS · Supervised by FDIC

Est. 1917FDIC #9,777RSSD: FDIC-9777
Part ofCB&T BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.90%

Institution Profile

FDIC BankFind

Address

239 E Main St, MARKS, MS

County

Quitman County

Established

August 17, 1917

Total Assets

$105M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$105M

Total Deposits

$89M

Net Loans

$63M

Net Income

$233K

ROA

0.90%

ROE

6.74%

Risk-Based Capital

19.08%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate8.34%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$85M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,00382.83%8.34%
20232,32582.11%8.86%
20222,69780.68%8.42%
20213,74283.03%7.03%
20204,68381.64%7.47%
20194,32780.06%9.96%
20184,15679.11%9.94%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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