The Citizens Bank of Philadelphia (MS) Rates and Review February 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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Rate Updates and AvailabilityThe Citizens Bank of Philadelphia (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 The Citizens Bank of Philadelphia (MS)? Share your experience about The Citizens Bank of Philadelphia (MS) by leaving a review below, or read customer reviews before you decide to use The Citizens Bank of Philadelphia (MS). The Citizens Bank of Philadelphia (MS) Texas RatioThe Citizens Bank of Philadelphia (MS)'s Texas Ratio is at 10.44%, which is considered excellent. The Texas Ratio for The Citizens Bank of Philadelphia (MS) is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
The Citizens Bank of Philadelphia (MS) has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, The Citizens Bank of Philadelphia (MS) is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable.
The Citizens Bank of Philadelphia (MS)
521 W Main St
Philadelphia, MS 39350 
The Citizens Bank of Philadelphia (MS) Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for The Citizens Bank of Philadelphia (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 The Citizens Bank of Philadelphia (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 The Citizens Bank of Philadelphia (MS)'s official website for the most current offers and terms.
Bank Profile & OverviewThe Citizens Bank of Philadelphia (MS)
521 W Main StPhiladelphia, MS 39350 Neshoba Established Date: 01/01/1908 FDIC Certificate #: 12204 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: CITIZENS HOLDING CO How Many Domestic U.S. Offices? 26 How Many Branches are There? 26 Website: https://www.thecitizensbankphila.com
Is The Citizens Bank of Philadelphia (MS) FDIC Insured? Yes
What is The Citizens Bank of Philadelphia (MS)'s Cert number? 12204
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$1,471,624,000
Total Deposits:
$1,210,622,000
Equity Capital:
$61,285,000
Net Income:
$3,244,000
Return on Assets (ROA):
0.3701%
Return on Equity (ROE):
8.7900%
Headquarters:
Philadelphia
Regulator:
FDIC
# of Offices:
26
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for The Citizens Bank of Philadelphia (MS) yet. Feel free to create one below.
Add Your Rating and Review for The Citizens Bank of Philadelphia (MS)
Frequently Asked Questions About The Citizens Bank of Philadelphia (MS)How do I open an account at The Citizens Bank of Philadelphia (MS)?You can typically open an account at The Citizens Bank of Philadelphia (MS) by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, The Citizens Bank of Philadelphia (MS) provides a range of mortgage and home equity products. Is The Citizens Bank of Philadelphia (MS) a safe place to deposit money?Yes, The Citizens Bank of Philadelphia (MS) is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does The Citizens Bank of Philadelphia (MS) offer online and mobile banking?Most modern institutions like The Citizens Bank of Philadelphia (MS) provide digital access including online balance checks and transfers. Compare to other Banks |
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You can compare The Citizens Bank of Philadelphia (MS) rates to other rates in our database, including 12-month CD rates currently at 4.04%, 6-month CD rates at 0.00% and 3-month CD rates at 3.85%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.05%. All these rates, and more, can be found in our database of rates which you can compare to 
