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 Citizens Bank & Trust Co. MS Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Citizens Bank & Trust Co. MS's 36-Month CD rates are at 2.79%, 48-Month CD rates are at 2.79%, 60-Month CD rates are at 2.79%, 24-Month CD rates are at 2.53%, 12-Month CD rates are at 2.00%. Citizens Bank & Trust Co. MS's savings rates are at 0.50%. Citizens Bank & Trust Co. MS's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Citizens Bank & Trust Co. MS with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 25.28%. Rates last updated and verified on 08/28/2026. Citizens Bank & Trust Co. MS money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Bank & Trust Co. MS? Share your experience about Citizens Bank & Trust Co. MS by leaving a review below, or read customer reviews before you decide to use Citizens Bank & Trust Co. MS. 
Citizens Bank & Trust Co. MS CD Rates
Citizens Bank & Trust Co. MS Savings Rates
Citizens Bank & Trust Co. MS Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Citizens Bank & Trust Co. MS is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Citizens Bank & Trust Co. MS rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Citizens Bank & Trust Co. MS's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Citizens Bank & Trust Co. MS
Bank Holding Company
CB&T BANCSHARES INC
Address
239 E Main St,
Marks, MS 38646 · Quitman
Website
https://www.cbt-co.com
FDIC Certificate #
9777
Established
08/17/1917
FDIC Insurance Date
01/01/1934
Domestic Offices
2
Total Branches
2
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsC+
Overall Health Grade
Score: 79/100
4.1
Excellent
Out of 5.0 Stars
25.28%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
2.2763%
Return on Equity (ROE)
22.3000%
Non-Performing Loans (NPL)
3.23%
Total Assets
$101,243,000
Total Deposits
$86,228,000
Equity Capital
$13,779,000
Net Income
$976,000
Headquarters
Marks
Total Branches and Offices
2
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
There are no reviews for Citizens Bank & Trust Co. MS yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Citizens Bank & Trust Co. MS
Frequently Asked Questions About Citizens Bank & Trust Co. MSHow many branches does Citizens Bank & Trust Co. MS operate?Citizens Bank & Trust Co. MS currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Citizens Bank & Trust Co. MS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Citizens Bank & Trust Co. MS provides members with tools to manage their accounts and build a solid financial history. Does Citizens Bank & Trust Co. MS offer online and mobile banking?Most modern institutions like Citizens Bank & Trust Co. MS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbt-co.com. Current Citizens Bank & Trust Co. MS Rates
Retrieved from our database of financial products. Rates subject to change.
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