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The Citizens Bank of Philadelphia (MS)

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The Citizens Bank of Philadelphia (MS) Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Citizens Bank of Philadelphia (MS) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare The Citizens Bank of Philadelphia (MS) rates to other rates in our database, including 12-month CD rates currently at 3.34%, 6-month CD rates at 2.02% and 3-month CD rates at 2.00%. Savings rates are at 0.20% and money market rates are at 1.97%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to The Citizens Bank of Philadelphia (MS) rates. MonitorBankRates evaluates the financial stability of The Citizens Bank of Philadelphia (MS) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.74%. Rates were last updated on 04/17/2026.

The 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).

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.74%

Excellent Higher than avg

The Citizens Bank of Philadelphia (MS)

521 W Main St
Philadelphia, MS 39350

https://www.thecitizensbankphila.com

The Citizens Bank of Philadelphia (MS) Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC	-	-	3.99%
Details As Low As; 6-month introductory HELOC rate Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates 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 & Overview

Institution Name The Citizens Bank of Philadelphia (MS)

Bank Holding Company CITIZENS HOLDING CO

Address 521 W Main St, Philadelphia, MS 39350 · Neshoba

Website https://www.thecitizensbankphila.com

FDIC Certificate # 12204

Established 01/01/1908

FDIC Insurance Date 01/01/1934

Domestic Offices 26

Total Branches 26

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.74%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3701%

Return on Equity (ROE) 8.7900%

Non-Performing Loans (NPL) 0.20%

Total Assets $1,512,484,000

Total Deposits $1,337,629,000

Equity Capital $74,866,000

Net Income $9,179,000

Headquarters Philadelphia

Total Offices 26

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About The Citizens Bank of Philadelphia (MS)

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. With a Texas Ratio of 7.7362731041965%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does The Citizens Bank of Philadelphia (MS) operate?

The Citizens Bank of Philadelphia (MS) currently maintains approximately 26 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, The Citizens Bank of Philadelphia (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, The Citizens Bank of Philadelphia (MS) provides members with tools to manage their accounts and build a solid financial history.

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. 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.thecitizensbankphila.com.