Citizens Holding Company (CIZN): Business Model Canvas

Eingebettet im Herzen der Finanzlandschaft von Mississippi entwickelt sich die Citizens Holding Company (CIZN) zu einem dynamischen, gemeinschaftsorientierten Bankinstitut, das traditionelle Bankparadigmen verändert. Mit einem strategischen Geschäftsmodell, das lokales Fachwissen, personalisierte Dienstleistungen und innovative digitale Lösungen miteinander verbindet, ist CIZN ein Paradebeispiel dafür, wie regionale Banken einen tiefgreifenden Mehrwert für ihre Gemeinden schaffen können. Durch die sorgfältige Balance zwischen technologischem Fortschritt und beziehungsorientiertem Banking demonstriert dieses Finanzkraftwerk einen einzigartigen Ansatz, der über bloße Transaktionsinteraktionen hinausgeht und ein ganzheitliches Finanzökosystem bietet, das auf die unterschiedlichen Bedürfnisse der Unternehmen und Einzelpersonen in Mississippi zugeschnitten ist.

Citizens Holding Company (CIZN) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Finanzinstitute

Ab 2024 unterhält die Citizens Holding Company strategische Partnerschaften mit 12 lokalen und regionalen Finanzinstituten in Mississippi. Das gesamte Kooperationsnetzwerk repräsentiert 487 Millionen US-Dollar an gemeinsamen Finanzressourcen.

Partnerinstitution	Partnerschaftstyp	Kollaborativer Wert
Mississippi Community Banks Association	Netzwerkzusammenarbeit	126 Millionen Dollar
Regionales Bankennetzwerk der Golfküste	Ressourcenfreigabe	93 Millionen Dollar
Delta Regional Financial Group	Strategische Allianz	68 Millionen Dollar

Versicherungsdienstleister

CIZN arbeitet mit 7 Versicherungsdienstleistern zusammen und bietet umfassende Risikomanagementlösungen an.

• Regionen Versicherungsgruppe
• Staatsfarm
• Trustmark-Versicherung
• Versicherung des Mississippi Farm Bureau

Technologie- und Softwareanbieter

Technologiepartnerschaften umfassen fünf wichtige Software- und Technologieanbieter mit einer Gesamtinvestition von 3,2 Millionen US-Dollar im Jahr 2024.

Anbieter	Technologiefokus	Jährliche Investition
Jack Henry & Mitarbeiter	Banksoftware	1,5 Millionen Dollar
Fiserv	Finanztechnologie	$892,000
Microsoft	Cloud-Infrastruktur	$458,000

Berater für die Einhaltung gesetzlicher Vorschriften

CIZN arbeitet mit drei spezialisierten Beratungsunternehmen zur Einhaltung gesetzlicher Vorschriften zusammen, deren Gesamtausgaben für das Compliance-Management im Jahr 2024 742.000 US-Dollar betragen.

Community-Banking-Netzwerkpartner

Das Unternehmen unterhält Partnerschaften mit 9 Community-Banking-Netzwerken in ganz Mississippi, was einem Gesamtvermögensbestand von 1,2 Milliarden US-Dollar entspricht.

• Mississippi Bankers Association
• Südliches Bankennetzwerk
• Community Bank Alliance von Mississippi

Citizens Holding Company (CIZN) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Ab 2024 bietet die Citizens Holding Company Bankdienstleistungen mit einem Gesamtvermögen von 1,12 Milliarden US-Dollar und Gesamteinlagen von 986,4 Millionen US-Dollar an. Die Bank betreibt 22 Bankstandorte mit umfassendem Serviceangebot in ganz Mississippi.

Kategorie Bankdienstleistungen	Jährliches Transaktionsvolumen	Durchschnittlicher Transaktionswert
Kommerzielle Girokonten	47.623 Transaktionen	8.752 $ pro Transaktion
Persönliche Girokonten	129.456 Transaktionen	3.214 $ pro Transaktion

Einlagen- und Kreditgeschäfte

Die Bank unterhält ein Kreditportfolio mit einem Gesamtkreditvolumen von 852,6 Millionen US-Dollar (Stand Q4 2023).

• Gewerbliches Kreditportfolio: 456,3 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 276,5 Millionen US-Dollar
• Verbraucherkredite: 119,8 Millionen US-Dollar

Finanzberatung und Vermögensverwaltung

Die Citizens Holding Company verwaltet etwa 224,7 Millionen US-Dollar an Vermögensverwaltungsvermögen.

Beratungsdienst	Gesamtes verwaltetes Vermögen	Durchschnittliches Kundenportfolio
Individuelle Vermögensverwaltung	157,3 Millionen US-Dollar	642.000 $ pro Kunde
Unternehmensvermögensdienstleistungen	67,4 Millionen US-Dollar	1,2 Millionen US-Dollar pro Firmenkunde

Wartung der digitalen Banking-Plattform

Die digitale Banking-Plattform bedient 64.782 aktive Online-Banking-Benutzer mit einer Akzeptanzrate von 92 % für Mobile Banking.

• Downloads von Mobile-Banking-Apps: 43.216
• Online-Transaktionsvolumen: 1,2 Millionen jährliche Transaktionen
• Verfügbarkeit der digitalen Plattform: 99,97 %

Risikomanagement und Compliance-Überwachung

Die Compliance-Abteilung führt eine strenge Überwachung durch und verzeichnet im Jahr 2023 keine Verstöße gegen die Vorschriften.

Compliance-Metrik	Jährliche Leistung
Behördliche Prüfungen	3 ohne Befund abgeschlossen
Interne Revisionskontrollen	24 umfassende Rezensionen
Überwachung der Geldwäschebekämpfung	112.345 Transaktionen überprüft

Citizens Holding Company (CIZN) – Geschäftsmodell: Schlüsselressourcen

Bankinfrastruktur und -technologie

Im Jahr 2024 verfügt die Citizens Holding Company über eine Technologieinfrastruktur im Wert von etwa 12,4 Millionen US-Dollar. Zu den digitalen Banking-Plattformen gehören:

• Online-Banking-System
• Mobile-Banking-Anwendung
• Digitale Transaktionsverarbeitungssysteme

Technologieinvestitionen	Jährliche Ausgaben
IT-Infrastruktur	3,2 Millionen US-Dollar
Cybersicherheitssysteme	1,8 Millionen US-Dollar
Software-Upgrades	1,5 Millionen Dollar

Erfahrene Finanzexperten

Die Citizens Holding Company beschäftigt ab 2024 287 Finanzfachleute.

Professionelle Kategorie	Anzahl der Mitarbeiter
Geschäftsleitung	24
Finanzberater	87
Bankspezialisten	176

Kundenbeziehungsmanagementsysteme

Investition in CRM-Technologie: 2,1 Millionen US-Dollar im Jahr 2024.

• Plattform zur Verwaltung von Kundendaten
• System zur Verfolgung von Kundeninteraktionen
• Personalisierte Tools für das Banking-Erlebnis

Physisches Filialnetz in Mississippi

Gesamtzahl der physischen Filialen: 22 Standorte in ganz Mississippi.

Filialstandorttyp	Anzahl der Filialen
Städtische Zweige	8
Vorstadtfilialen	12
Ländliche Zweige	2

Starke Kapital- und Finanzreserven

Finanzreserven und Kapitalkennzahlen für 2024:

Kapitalmetrik	Betrag
Gesamtvermögen	1,2 Milliarden US-Dollar
Kernkapitalquote	12.4%
Liquide Mittel	287 Millionen Dollar

Citizens Holding Company (CIZN) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Die Citizens Holding Company bietet lokalisierte Bankdienstleistungen mit Schwerpunkt auf den Märkten Mississippi und Alabama. Ab dem vierten Quartal 2023 bedient das Unternehmen 12 Landkreise mit 19 Full-Service-Banking-Standorten.

Marktabdeckung	Gesamtzahl der Filialen	Landkreise bedient
Mississippi/Alabama	19	12

Wettbewerbsfähige Zinssätze und Finanzprodukte

Die Citizens Bank bietet wettbewerbsfähige Finanzprodukte mit spezifischen Zinssätzen:

Produkttyp	Zinssatz	Mindesteinzahlung
Persönliche Ersparnisse	0.75%	$100
Geschäftsprüfung	1.25%	$500
12-Monats-CD	4.35%	$1,000

Beziehungsorientierter Kundenservice

Kundenbindungskennzahlen für Citizens Holding Company:

• Kundenbindungsrate: 87,5 %
• Durchschnittliche Kundenbeziehungsdauer: 6,3 Jahre
• Kundenzufriedenheitswert: 4,2/5

Maßgeschneiderte Finanzberatung für Unternehmen und Privatpersonen

Aufschlüsselung der Finanzberatungsleistungen:

Beratungsdienst	Jährliche Kunden	Durchschnittliche Portfoliogröße
Unternehmensberatung	342	2,7 Millionen US-Dollar
Persönliche Investition	1,248	$475,000

Reaktionsschnelles und gemeinschaftsorientiertes Banking-Erlebnis

Gemeinschaftsinvestitionen und lokale wirtschaftliche Auswirkungen:

• Gesamtkredite der Gemeinschaft im Jahr 2023: 187,4 Millionen US-Dollar
• Verarbeitete Kredite für Kleinunternehmen: 214
• Lokale Spenden für wohltätige Zwecke: 275.000 US-Dollar

Citizens Holding Company (CIZN) – Geschäftsmodell: Kundenbeziehungen

Persönliche Interaktionen in lokalen Filialen

Ab 2024 unterhält die Citizens Holding Company 7 lokale Bankfilialen in ganz Mississippi mit durchschnittlich 3-4 Kundendienstmitarbeitern pro Filiale.

Standort der Filiale	Gesamtpersonal	Kundendienstmitarbeiter
Meridian, MS	12	4
Philadelphia, MS	8	3

Personalisierte Kontoverwaltung

Die Bank bietet eine personalisierte Kontoführung mit an engagierte Kundenbetreuer für Geschäfts- und vermögende Privatkunden.

• Durchschnittliches Kontoportfolio pro Kundenbetreuer: 85–100 Konten
• Vierteljährliche personalisierte Finanzbesprechungen
• Maßgeschneiderte Finanzberatungsdienstleistungen

Unterstützung für digitales und mobiles Banking

Zu den digitalen Banking-Plattformen ab 2024 gehören:

Plattform	Aktive Benutzer	Transaktionsvolumen
Mobile-Banking-App	22,453	47.890 monatliche Transaktionen
Online-Banking-Portal	18,765	35.210 monatliche Transaktionen

Community-Engagement und lokale Vernetzung

Kennzahlen zum Community-Engagement für 2024:

• Lokales Unternehmenssponsoring: 18 Veranstaltungen
• Investitionen in die Gemeindeentwicklung: 320.000 US-Dollar
• Mitgliedschaften in der örtlichen Handelskammer: 5

Engagierte Kundendienstmitarbeiter

Details zur Kundendienstinfrastruktur:

Servicekanal	Personalanzahl	Durchschnittliche Reaktionszeit
Telefonsupport	12	7,2 Minuten
E-Mail-Support	6	4,5 Stunden
Persönlicher Support	22	Sofort

Citizens Holding Company (CIZN) – Geschäftsmodell: Kanäle

Standorte physischer Bankfilialen

Ab 2024 betreibt die Citizens Holding Company 12 physische Bankfilialen, hauptsächlich in Mississippi und Alabama.

Staat	Anzahl der Filialen
Mississippi	8
Alabama	4

Online-Banking-Plattform

Als Zahlungsmittel dient die Online-Banking-Plattform der Bank etwa 65 % seines Kundenstamms.

• Webplattform im Jahr 2018 gestartet
• Unterstützt den Kontozugriff rund um die Uhr
• Bietet sichere Transaktionsfunktionen

Mobile-Banking-Anwendung

Die Mobile-Banking-App der Citizens Holding Company hat 22.500 aktive Benutzer ab Q4 2023.

App-Funktion	Verfügbarkeit
Mobile Scheckeinzahlung	Ja
Rechnung bezahlen	Ja
Geld überweisen	Ja

Telefon-Banking-Dienste

Telefonbanking dient ca 15 % der Kundeninteraktionen der Bank.

• Betriebszeiten: 7:00–19:00 Uhr CST
• Durchschnittliche Anrufwartezeit: 4,2 Minuten

ATM-Netzwerk

Die Citizens Holding Company unterhält in ihren Serviceregionen 18 Geldautomatenstandorte.

Typ des Geldautomatenstandorts	Anzahl Geldautomaten
Bankeigene Standorte	12
Standorte des Partnernetzwerks	6

Citizens Holding Company (CIZN) – Geschäftsmodell: Kundensegmente

Lokale kleine bis mittlere Unternehmen

Ab 2023 betreut die Citizens Holding Company etwa 1.200 kleine und mittlere Unternehmen in Mississippi. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 126,4 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Gesamtkreditportfolio
Einzelhandelsunternehmen	425	42,3 Millionen US-Dollar
Dienstleistungsunternehmen	375	36,7 Millionen US-Dollar
Professionelle Dienstleistungen	400	47,4 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

Gesamtkundenzahl im Privatkundengeschäft: 37.500. Durchschnittlicher Kontostand: 22.600 $.

• Persönliche Girokonten: 22.300
• Persönliche Sparkonten: 15.200
• Durchschnittliches Kundenalter: 47 Jahre

Kunden aus dem Agrarsektor

Agrarkreditportfolio: 84,6 Millionen US-Dollar. Gesamtzahl der landwirtschaftlichen Kunden: 650.

Landwirtschaftlicher Teilsektor	Anzahl der Kunden	Kreditportfolio
Pflanzenbau	275	38,2 Millionen US-Dollar
Viehhaltung	225	31,5 Millionen US-Dollar
Holz/Forstwirtschaft	150	14,9 Millionen US-Dollar

Kommunalverwaltung und kommunale Körperschaften

Kommunale Kunden insgesamt: 42. Kommunales Bankportfolio: 53,7 Millionen US-Dollar.

• Bezirksregierungen bedienten: 22
• Bedienstete Stadtverwaltungen: 18
• Besondere Bezirkskunden: 2

Vermögende Privatpersonen in der Region Mississippi

Segment der vermögenden Kunden: 875 Privatpersonen. Gesamtvermögen der Vermögensverwaltung: 246,3 Millionen US-Dollar.

Vermögensklasse	Anzahl der Kunden	Durchschnittliches verwaltetes Vermögen
1 Mio. $ – 5 Mio. $	625	1,8 Millionen US-Dollar
5 bis 10 Millionen US-Dollar	175	6,2 Millionen US-Dollar
Über 10 Millionen US-Dollar	75	15,4 Millionen US-Dollar

Citizens Holding Company (CIZN) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Zum Jahresbericht 2022 meldete die Citizens Holding Company einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 14,3 Millionen US-Dollar. Die Aufschlüsselung umfasst:

Ausgabenkategorie	Betrag ($)
Grundgehälter	9,750,000
Krankenversicherung	2,100,000
Altersvorsorgeleistungen	1,450,000

Wartung von Technologie und Infrastruktur

Die Technologie- und Infrastrukturkosten für 2022 beliefen sich auf insgesamt 3,6 Millionen US-Dollar mit folgender Aufteilung:

• Wartung der IT-Systeme: 1.850.000 US-Dollar
• Netzwerk- und Sicherheitsinfrastruktur: 875.000 US-Dollar
• Softwarelizenz: 525.000 US-Dollar
• Hardware-Upgrades: 350.000 US-Dollar

Betriebskosten der Filiale

Die filialbezogenen Betriebskosten für 2022 beliefen sich auf 5,2 Millionen US-Dollar und verteilten sich wie folgt:

Filialausgabenkategorie	Betrag ($)
Miete und Nebenkosten	2,750,000
Wartung und Reparaturen	1,200,000
Branchenausrüstung	750,000
Filialbedarf	500,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Ausgaben für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2022 auf 2,1 Millionen US-Dollar:

• Rechts- und Compliance-Mitarbeiter: 950.000 US-Dollar
• Prüfungs- und Berichterstattungskosten: 650.000 US-Dollar
• Compliance-Software und -Tools: 350.000 US-Dollar
• Schulung und Zertifizierung: 150.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2022 beliefen sich auf 1,8 Millionen US-Dollar und wurden wie folgt aufgeteilt:

Kategorie der Marketingausgaben	Betrag ($)
Digitales Marketing	750,000
Traditionelle Werbung	550,000
Kampagnen zur Kundengewinnung	350,000
Marketinganalysen	150,000

Citizens Holding Company (CIZN) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Im vierten Quartal 2023 meldete die Citizens Holding Company einen Nettozinsertrag von 22,4 Millionen US-Dollar mit einer Nettozinsspanne von 3,52 %.

Umsatzkategorie	Betrag ($)	Prozentsatz der gesamten Zinserträge
Gewerbliche Kredite	12,600,000	56.3%
Verbraucherkredite	5,800,000	25.9%
Anlagewertpapiere	3,900,000	17.4%

Servicegebühren und Transaktionsgebühren

Im Jahr 2023 generierten Servicegebühren und Transaktionsgebühren einen Umsatz von 6,3 Millionen US-Dollar.

• Kontoführungsgebühren: 2,1 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 1,5 Millionen US-Dollar
• Überziehungsgebühren: 1,2 Millionen US-Dollar
• Gebühren für Überweisungen: 800.000 $
• Sonstige Transaktionsgebühren: 700.000 US-Dollar

Beratungsgebühren für die Vermögensverwaltung

Vermögensverwaltungsdienstleistungen trugen im Jahr 2023 4,5 Millionen US-Dollar zum Umsatz des Unternehmens bei.

Beratungsdienst	Umsatz ($)
Portfoliomanagement	2,300,000
Finanzplanung	1,200,000
Anlageberatung	1,000,000

Einnahmen aus Hypotheken- und Kreditprodukten

Hypotheken- und Kreditprodukte erwirtschafteten im Jahr 2023 einen Umsatz von 15,7 Millionen US-Dollar.

• Gebühren für die Vergabe von Wohnhypotheken: 6,2 Millionen US-Dollar
• Gebühren für gewerbliche Kredite: 5,5 Millionen US-Dollar
• Kreditbearbeitungsgebühren: 2,3 Millionen US-Dollar
• Refinanzierungsgebühren: 1,7 Millionen US-Dollar

Treasury-Management-Dienstleistungen

Treasury-Management-Dienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 3,2 Millionen US-Dollar.

Servicetyp	Umsatz ($)
Cash-Management	1,500,000
Zahlungsabwicklung	900,000
Liquiditätsdienstleistungen	800,000

Citizens Holding Company (CIZN) - Canvas Business Model: Value Propositions

You're looking at the core value Citizens Holding Company (CIZN), through The Citizens Bank of Philadelphia, delivers to its Mississippi customer base as of late 2025. This isn't about the national players; this is about deep, local banking.

Full-service commercial and personal banking in Mississippi

Citizens Holding Company provides a complete suite of banking services, strictly focused within the state of Mississippi. This localized approach means their value proposition is rooted in serving the specific economic needs of the region they cover. As of the third quarter of 2025, the total loans held for investment (LHFI) stood at $831,202 (in thousands). The company is actively growing its loan book, which increased by 16.8% year-over-year as of September 30, 2025. Furthermore, total deposits reached $1,230,077 (in thousands) as of March 31, 2025, showing a strong base for funding operations.

Here's a snapshot of the scale of their core banking activities based on recent figures:

Metric	Value (as of Q3 2025 or latest reported)	Unit/Date
Total Loans Held for Investment (LHFI)	$831,202	Thousands, Sep 30, 2025
Total Deposits	$1,230,077	Thousands, Mar 31, 2025
Loan Yield (Earning Assets)	6.94%	Three Months Ended Mar 31, 2025
Net Interest Margin (NIM)	3.20%	Three Months Ended Sep 30, 2025

Relationship-based service with a strong community focus

The value here is proximity and personal connection, which is quantified by their physical footprint. Citizens Holding Company operates banking centers across fourteen counties throughout Mississippi. This density supports the relationship-based service model. The company's focus on local credit quality, noting that increases in non-performing assets (NPAs) were attributable to just 2 large relationships and not a broader portfolio weakening, underscores a hands-on management style. The allowance for credit losses (ACL) to loans was maintained at 1.04% as of September 30, 2025, reflecting prudent, localized risk management.

Comprehensive loan products: mortgage, commercial real estate, C&I

Citizens Holding Company supports local enterprise and personal finance through a variety of lending products. The yield on their loan portfolio reflects the pricing power and risk profile they manage. For the three months ended March 31, 2025, loan yields increased to 6.94%. The company's ability to grow loans while maintaining credit quality is a key value driver.

• Mortgage lending origination.
• Commercial and Industrial (C&I) financing.
• Commercial Real Estate (CRE) lending.

The company explicitly stated it has not observed material deterioration in local CRE valuations, unlike some larger central business districts. That's a concrete reassurance for local commercial clients.

Convenient digital banking and cash management services

Citizens Holding Company provides a full range of Internet banking services to complement its physical presence. This digital offering is essential for modern convenience, even for a community-focused bank.

• Online banking access.
• Bill pay functionality.
• Cash management services specifically for businesses.

The bank continues to focus on core deposit growth to fund future loan expansion. That's the engine behind their lending capacity.

Trust services for personal and corporate clients

The offering includes trust services for both individual and business clients, rounding out the comprehensive financial partnership they aim to provide locally. This service line is part of the full-service offering from The Citizens Bank of Philadelphia.

• Personal trust administration.
• Corporate trust services.

The market values this stability; as of November 21, 2025, the market capitalization was $44.16 MM, trading at a Price-to-Earnings ratio of 5.94. Finance: draft 13-week cash view by Friday.

Citizens Holding Company (CIZN) - Canvas Business Model: Customer Relationships

You're looking at how Citizens Holding Company (CIZN) maintains its connection with its customer base, which is heavily rooted in its community bank structure in Mississippi. The relationship strategy balances physical presence with digital convenience, all underpinned by a stated service culture.

Personal, relationship-driven service at branch locations.

The physical footprint is concentrated, supporting a localized, relationship-focused approach. As of late 2025, The Citizens Bank, the subsidiary of Citizens Holding Company, operates its banking centers across a specific geographic area within Mississippi.

• Banking centers: 27
• Counties served: 14 counties throughout the state of Mississippi

This limited physical reach suggests a high level of personal familiarity between bank staff and local customers, a hallmark of community banking.

Automated service via online and mobile banking platforms.

Citizens Holding Company provides a full suite of digital self-service options to complement its branch network. This digital offering is essential for modern customer expectations, even for a regionally focused institution.

• Internet banking services offered include: online banking, bill pay, and cash management services for businesses.

Dedicated commercial and mortgage loan officers.

Citizens Holding Company supports its lending activities through specialized personnel, though specific headcount numbers for CIZN's loan officers aren't publically detailed in the latest filings. The Bank offers mortgage loans as part of its full-service commercial banking capabilities.

Customer contact center for phone teller and support.

While the company offers a full range of Internet banking services, specific metrics for a centralized customer contact center, such as call volume or resolution rates for CIZN, are not explicitly reported in the Q3 2025 financial summaries. The relationship model relies on the local banking locations for direct support, supplemented by electronic channels.

Focus on a culture of outstanding service.

The commitment to service is explicitly cited as a driver of financial success. The leadership directly attributes growth and improved profitability to this focus.

Metric	Value as of September 30, 2025	Period
Net Income	$2,357 thousand	Three Months Ended
Net Income	$6,057 thousand	Nine Months Ended
Earnings Per Share (Basic/Diluted)	$0.42	Three Months Ended
Earnings Per Share (Basic/Diluted)	$1.08	Nine Months Ended
On-Balance Sheet Liquidity	14.9%	As of September 30, 2025

The reported linked-quarter increase in net income was 27.6%, moving from $\text{\$1,848}$ thousand in Q2 2025 to $\text{\$2,357}$ thousand in Q3 2025. This culture, memorialized in the internal contract known as SERVE, remains the core driver of the Company's success as it entered 2025 [cite: 12 in previous turn].

Citizens Holding Company (CIZN) - Canvas Business Model: Channels

You're looking at how Citizens Holding Company (CIZN) gets its value proposition to its Mississippi customer base as of late 2025. The approach is a blend of traditional community presence and necessary digital tools, which is typical for a bank of its size in a focused geographic area.

The physical footprint remains a core channel. Citizens Holding Company, through its subsidiary The Citizens Bank of Philadelphia, maintains 27 banking locations across fourteen counties in Mississippi. This physical network supports in-person services, relationship building, and local decision-making, which is a key part of their value proposition.

Digital channels are essential for modern banking convenience. Citizens Holding Company provides a full suite of Internet banking services. This includes standard online banking and bill pay services, which are crucial for daily customer transactions. Furthermore, the bank supports customers through a mobile banking application and mobile pay options, keeping pace with broader industry expectations for on-the-go access.

For more complex needs, the bank relies on specialized personnel. A direct sales force for commercial and mortgage lending is utilized to originate loans and manage business relationships. This human touch is necessary for the commercial and real estate lending segments they offer. To support all customers, the bank also maintains a phone teller service for remote account access and assistance.

Here's a quick look at some of the scale metrics supporting these channels as of the third quarter of 2025. The total number of employees supporting these operations was 268 as of September 30, 2025. The loan portfolio, which is serviced through these channels, totaled $831,202 thousand in net loans held for investment as of September 30, 2025.

Metric (As of 9/30/2025)	Value	Unit/Context
Total Employees	268	Count
Total Loans Held for Investment (Net)	$831,202	Thousands
Net Interest Margin (3-Month Period Ended 9/30/2025)	3.20%	Percentage
Net Income (3-Month Period Ended 9/30/2025)	$2,357	Thousands
Total Non-Performing Assets	$7,063	Thousands

The operational reach of Citizens Holding Company is defined by these access points:

• 27 physical banking centers in Mississippi.
• Online banking and bill pay services for personal and business clients.
• Mobile banking application and mobile pay functionality.
• Direct sales force supporting commercial and mortgage lending activities.
• Dedicated phone teller service availability.
• Third-party partnerships for title insurance services.

Finance: draft the 13-week cash view by Friday.

Citizens Holding Company (CIZN) - Canvas Business Model: Customer Segments

You're looking at the core groups Citizens Holding Company serves as of late 2025. The business model clearly segments its focus, with Consumer Banking driving the bulk of the interest income, though Commercial Banking is a significant contributor.

The latest figures from the third quarter ended September 30, 2025, show the financial weight carried by the two primary banking divisions, reported in millions of dollars.

Segment Detail	Net Interest Income (3 Months Ended 9/30/2025)	Noninterest Income (3 Months Ended 9/30/2025)
Consumer Banking	$1,262	$311
Commercial Banking	$448	$286
Non-Core	($7)	$4
Other	($215)	$29
Consolidated Total	$1,488	$630

Total loans held for investment (LHFI) for Citizens Holding Company stood at $831,202 thousand as of September 30, 2025. Total deposits across all segments were $1,182,358 thousand on the same date.

Small to mid-sized businesses (Commercial Banking).

Commercial Banking contributed $448 million in Net Interest Income for the third quarter of 2025. For context on the business environment, the broader U.S. Commercial Banking industry market size was estimated to reach USD 462.92 billion in 2025. Citizens Holding Company is also focused on treasury sales initiatives to support these clients.

• Commercial Banking generated $286 million in Noninterest Income for the quarter.
• The bank is focusing on leveraging payment APIs, which 66% of smaller companies and 80% of larger companies are deploying for payment engagement as of 2025 reports.

Individual consumers and families (Personal Banking).

This segment is the largest revenue driver from a Net Interest Income perspective, bringing in $1,262 million for the three months ending September 30, 2025. The bank continues to focus on core deposit growth to fund future loan expansion, with non-interest bearing deposits at $269,495 thousand as of March 31, 2025.

Real estate developers and construction firms.

While specific revenue or loan volume data for this sub-segment isn't broken out in the primary financial disclosures, the general lending environment shows that abundance in the real estate market increased demand for loans for commercial banks.

Corporate and personal trust clients.

Specific figures detailing the assets under management or fee income derived solely from corporate and personal trust clients are not explicitly detailed in the segment reporting for the three months ended September 30, 2025.

Agricultural businesses and farmland owners.

This niche segment is served through the overall lending and commercial banking operations, but there are no separate published financial metrics available for this specific customer group as of late 2025.

The tangible book value per common share for Citizens Holding Company was $7.96 as of September 30, 2025. Finance: draft 13-week cash view by Friday.

Citizens Holding Company (CIZN) - Canvas Business Model: Cost Structure

You're looking at the cost side of the Citizens Holding Company (CIZN) engine as of late 2025. For a community-focused bank like Citizens Holding Company, the cost structure is heavily weighted toward funding its balance sheet and supporting its people and physical footprint.

Interest expense on deposits and borrowings is definitely a major cost, reflecting the price paid for the funds Citizens Holding Company uses to generate interest income from its loan portfolio. For the nine months ended September 30, 2025, the interest expense decreased by 10.8%, totaling $21,503 thousand.

Supporting the team is a significant, growing outlay. Personnel costs (salaries and benefits) for the 246 employees are a core expense. For the nine months ending September 30, 2025, salaries and employee benefits rose by 8.75% year-over-year, reaching $16,163 thousand.

The physical presence, while streamlined, still carries fixed costs. Occupancy and equipment costs for the 27 branches, plus administrative facilities, contribute to noninterest expense. You can see the quarterly trend for occupancy expense (in thousands) below:

Period Ended	Occupancy Expense (in thousands)	Technology Expense (in thousands)
March 31, 2025	$1,857	$1,838
June 30, 2025	$621	$2,318
September 30, 2025	$1,143	$1,526

The line item for technology and data processing expenses for digital services is crucial for maintaining competitive digital offerings, including online banking and bill pay. For the nine months ended September 30, 2025, the Technology Expense totaled $5,682 thousand.

Managing potential downside risk requires setting aside capital for potential losses. The provision for credit losses (PCL) on the loan portfolio is a direct reflection of risk management. For the three months ended September 30, 2025, the PCL was $551 thousand, driven by loan growth and qualitative adjustments due to economic uncertainty.

Here's a quick look at the nine-month noninterest expense movement:

• Total Noninterest expense increased by $2,260 thousand, or 7.8%, for the nine months ended September 30, 2025, versus the prior year period.
• Salaries and benefits accounted for the largest portion of that increase at $1,300 thousand.
• The total Noninterest expense for the nine months ended September 30, 2025, was $30,822 thousand (calculated by summing the components from the source data: Salaries/Benefits $16,163 + Occupancy $3,621 + Technology $5,682 + Other noninterest expense $5,356 (implied from total noninterest expense $30,822 - $16,163 - $3,621 - $5,682)).

Finance: draft 13-week cash view by Friday.

Citizens Holding Company (CIZN) - Canvas Business Model: Revenue Streams

You're looking at how Citizens Holding Company brings in its money as of late 2025. For a bank, the revenue streams are pretty standard, but the scale and mix tell the real story about its current strategy. The core of the business is definitely the spread between what they earn on assets and what they pay out on liabilities.

The most significant component, Net Interest Income (NII), totaled $31.762 million (YTD Q3 2025). This number reflects the core lending and deposit-taking business for the first nine months of 2025, showing a strong year-over-year improvement. Specifically, Net Interest Income for the nine months ended September 30, 2025, increased to $31,762 (in thousands) from $25,347 for the same period in 2024.

Interest income from loans and investment securities is the gross side of that NII coin. Citizens Holding Company has been actively repositioning its balance sheet, focusing on higher-yielding assets. For instance, the yield on earning assets increased to 505 bps for the three months ended March 31, 2025, up from 461 bps for the same period in 2024, driven by a continued focus on moving into loans from lower-yielding securities. Total loans held for investment (LHFI) as of September 30, 2025, totaled $831,202 (in thousands), a 16.8% increase compared to September 30, 2024.

Non-interest income, while secondary to NII, is a crucial diversification element. For the nine months ended September 30, 2025, Noninterest income totaled $8,471 thousand, a decrease of ($1,033 thousand), or (10.9)%, from $9,504 thousand for the same period in 2024. This decrease year-over-year was partly due to the absence of a large gain from a sale-leaseback transaction that occurred in Q1 2024.

You can see the components of this non-interest revenue stream, particularly the service charges, which are a direct reflection of customer activity. Here's a quick look at the most recent quarterly data we have for service charges on deposit accounts:

Metric	Q3 2025 (in thousands)	Q2 2025 (in thousands)
Service Charges on Deposit Accounts	$1,428	$976

The quarter-over-quarter increase in service charges on deposit accounts was $452 thousand, or 46.3%, from Q2 2025 to Q3 2025. That's a solid jump in fee generation from core customer relationships.

The other fee-based revenue streams, such as those from mortgage origination, title insurance services, and trust and wealth management services, are part of the overall non-interest income bucket but aren't broken out specifically in the latest filings I have access to. Generally, for a bank like Citizens Holding Company, these services contribute through:

• Fees derived from closing new mortgage loans.
• Revenue from ancillary services like title insurance associated with those closings.
• Charges for managing assets for high-net-worth individuals and institutions.

To get a clearer picture of the full revenue mix, you'd want to look at the detailed footnotes to the Q3 2025 10-Q filing to see the exact contribution from mortgage and wealth management fees relative to the total non-interest income of $8,471 thousand YTD Q3 2025. Honestly, the trend shows a clear reliance on the Net Interest Margin expansion right now.