The Citizens Bank of Philadelphia

What The Citizens Bank of Philadelphia does

The Citizens Bank of Philadelphia is a Mississippi-chartered community bank operating 26 branches across 14 counties, headquartered at 521 Main Street in Philadelphia, Mississippi, and wholly owned by publicly traded Citizens Holding Company (OTCQX: CIZN). Founded in 1908, the bank serves individual consumers and small-to-medium businesses through a full retail banking product set including personal and business checking/savings, CDs, IRAs, mortgages, HELOCs, auto loans, agricultural loans, commercial real estate loans, and Visa debit and credit cards. Distribution is anchored on a 26-branch physical network organized into Gulf Coast, Northwest, and Northeast regional presidents, with digital channels (mobile app for iOS/Android/Apple Watch, online banking, SMS banking, phone teller, live chat) supplementing rather than replacing in-person relationships.

The underlying technology stack is a traditional core banking platform with standard digital banking extensions — including mobile deposit, Apple Pay/Google Pay/Samsung Pay integration, and a Visa debit card program — supported by third-party integrations such as Autobooks for SMB invoicing and Ellie Mae/ICE for mortgage origination. Revenue is generated primarily through net interest income on a diversified loan portfolio (consumer, mortgage, commercial, agricultural, construction), supplemented by transaction fees (overdraft, ATM, treasury services, merchant card processing, wire/ACH), deposit account service charges, and ancillary services such as title insurance referral. Specialty products (Citizens Checking Club add-on bundle, Credit Boost CD, School Stash Debit Card, Sprout Savings, Cash Stash) represent niche consumer acquisition and loyalty plays rather than distinct revenue centers.

The GTM motion is community-led: customer acquisition is driven by local presence, civic involvement (Relay For Life, Habitat for Humanity, school scholarship programs), and personal relationships rather than digital performance marketing, with branch-based local decision authority (especially for credit approvals) explicitly positioned against the centralized decisioning of large national banks. Pricing follows a subscription account model with monthly service fees that are typically waivable by meeting activity or balance thresholds, plus transaction-based pricing for merchant services and HELOC intro-rate/offer-driven competitive dynamics for mortgages and home equity lending.

Name

The Citizens Bank of Philadelphia

Legal name

The Citizens Bank of Philadelphia

Website

https://thecitizensbankphila.com

Company type

Public

Founded year

1908

Operating status

Operating

Headcount range

101–250 employees

Short description

The Citizens Bank of Philadelphia is a Mississippi community bank operating 26 branches across 14 counties, serving individual consumers and small-to-medium businesses with personal and commercial deposit accounts, lending, mortgages, digital banking, and treasury services under Citizens Holding Company (OTCQX: CIZN).

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Credit Intermediation and Related Activities (522)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Digital Retail Banking (Online & Mobile) (FSABAAAF)

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Mortgage loans
• Treasury management

Headquarters

HQ city

Philadelphia

HQ country

United States

HQ region

North America

Offices26 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: The bank generates revenue primarily through interest earned on loans including personal loans, mortgages, business loans, andLines of credit. Loan types include auto loans, home equity loans, HELOCs, commercial real estate loans, agricultural loans, and construction loans.
2. Deposit Account Fees and Charges: Monthly service charges, overdraft fees, ATM fees (including $1.00 per foreign ATM transaction), and various account maintenance fees across checking and savings accounts.
3. Merchant Services: Credit and debit card processing services for business customers with monthly maintenance fee of $10.00 plus competitive merchant discount rates.
4. Mortgage Lending: Mortgage loan origination including conventional, FHA, VA, and USDA loans through local mortgage originators and online portal.
5. Title Insurance Services: Title insurance services offered through third party partnerships for mortgage customers.
6. Business Banking Services: Cash management, ACH services, wire transfers, lockbox services, remote deposit capture, and business credit cards generating fee income.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels6 records

Core offering

The Citizens Bank of Philadelphia is a community bank offering traditional retail and commercial banking services across Mississippi through 26 physical branches and digital channels. Core offerings include personal and business deposit accounts (checking, savings, CDs, IRAs), consumer and commercial lending (mortgages, HELOCs, personal loans, auto loans, business loans, agricultural loans, commercial real estate loans), and business treasury services including merchant services, remote deposit capture, and lockbox. Digital banking capabilities are delivered through a mobile app, online banking portal, text banking, and mobile wallet integration, supplemented by 24/7 phone teller support.

Product overview

The Citizens Bank is a community bank offering a comprehensive suite of traditional banking products and digital services. The core offering centers on personal and business checking/savings accounts, CDs, IRAs, and loan products including mortgages, HELOCs, and personal/business loans. Digital banking capabilities include Online Banking, Mobile Banking App (iOS, Android, Apple Watch), Mobile Pay (Apple Pay, Google Pay, Samsung Pay), and Text Message Banking. Business services encompass Treasury Management with ACH, Positive Pay, Wire Transfers, Merchant Services, Remote Deposit Capture, Mobile Deposit, Autobooks invoicing, and Lockbox Services. Specialty products include Credit Boost CD for credit building, School Stash Debit Cards (with school donations), and the Citizens Checking Club premium add-on. The bank operates 26 branches across Mississippi and is the subsidiary of Citizens Holding Company (OTCQX: CIZN).

Differentiator

Problem solved

Functional benefit

Brands

• Citizens Checking Club: Exclusive checking club membership offering benefits including accidental death and dismemberment insurance, identity theft insurance, cellular telephone protection, 24/7 roadside assistance, and various banking perks.
• Cash Stash
• Sprout Savings
• Credit Boost CD
• Vacation Club

Products and services

• Personal Checking Accounts
• Personal Savings Accounts
• Certificates of Deposit (CDs) and IRAs
• Health Savings Account
• Personal Loans
• Home Equity Line of Credit (HELOC)
• Mortgage Lending
• Small Business Checking
• Business Checking
• Business Savings and CDs
• Business Loans
• Treasury Services
• Merchant Services
• Remote Deposit Capture
• Autobooks Invoicing
• Visa Debit Cards
• Visa Credit Cards
• Mobile Banking App
• Online Banking
• Mobile Pay (Apple Pay, Google Pay, Samsung Pay)
• Text Message Banking
• Phone Teller
• Business Mobile Deposit
• Safe Deposit Boxes
• Lockbox Services
• Title Insurance Services
• Citizens Checking Club
• Citizens Live Chat
• Citizens Fast Text
• Sprout Savings Baby Bump Bonus

Quantifiable outcome

• Net interest margin expanded to 3.34% in Q1 2026, up 37 basis points year-over-year
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• AutobookscoreTechnology or IntegrationIntegrated invoicing and payment acceptance platform for business customers. Allows sending digital invoices, secure payment links, and QR codes. Available through Business Online Banking for businesses that invoice for products or services.
• Title Insurance PartnerssupportingStrategic or Co-development PartnerThird party partnerships providing title insurance services for mortgage customers during real estate transactions.
• American Stock Transfer & Trust CompanysupportingOthersTransfer agent for Citizens Holding Company stock. Handles stock transfer, certificate issuance, and related shareholder services for publicly traded shares on OTCQX.
• Quote MediasupportingOthersProvides stock price data and market information for investor relations section of website. Real-time and delayed stock quotes for CIZN trading on OTCQX.
• Ellie Mae (ICE)coreTechnology or IntegrationMortgage loan origination platform (ellie mae.com) used for online mortgage applications. Borrower portal allows account creation, application submission, and loan tracking.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• BankPlus: Mississippi-based community bank with a comparable branch-led retail and business banking model, serving consumer and SMB customers across the state with similar product breadth.
• Trustmark National Bank: Mississippi-headquartered community/regional bank offering consumer, business, mortgage, and wealth services with strong in-state branch presence; directly comparable footprint and product mix.
• Renasant Bank: Mississippi-based community bank with comparable full-service retail/commercial banking, mortgage, and treasury offerings and similar relationship-driven GTM model.

Others

• ICNB (Independent Community Bankers of America member institutions): Industry association representing community banks; peer reference set includes similarly sized Mississippi/Southeast community banks (e.g., First Southern Bank MS, Mechanics Bank) that compete for similar customer segments.
• BancorpSouth (legacy) / Cadence acquisition peers: Mississippi-rooted bank that consolidated into Cadence; relevant comparable for understanding the consolidation path available to sub-scale Mississippi community banks.

Broad incumbents

• Regions Bank: Major Southeastern bank with deep branch presence across Mississippi and a full suite of consumer/business/mortgage/wealth products; competes with Citizens for both retail and SMB relationships.
• Cadence Bank (formerly BancorpSouth): Larger Southeastern regional bank with deep Mississippi presence, offering retail, commercial, mortgage, and treasury services overlapping Citizens' product set but at materially greater scale.
• First Horizon National Bank: Large Southeastern bank with significant consumer and business banking operations in Mississippi and the broader region; serves as a benchmark for scale and digital capability Citizens competes against.
• Community Bank of Mississippi (Hancock Whitney subsidiary): Mississippi-based subsidiary of Hancock Whitney, offering community-oriented consumer and commercial banking with deeper resources and broader product set than Citizens.

Regional players

• Magnolia State Bank: Mississippi community bank focused on consumer and small-business banking with a community-led model and in-state branch presence, comparable in size and approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/tcbphila
• Facebookfacebook.com/thecitizensbankphila
• Instagraminstagram.com/thecitizensbankphila
• LinkedInlinkedin.com/company/the-citizens-bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Citizens Bank of Philadelphia