Citizens Holding Company (CIZN): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón del panorama financiero de Mississippi, Citizens Holding Company (CIZN) emerge como una institución bancaria dinámica centrada en la comunidad que transforma los paradigmas bancarios tradicionales. Con un lienzo de modelo de negocio estratégico que entrela a la experiencia local, los servicios personalizados y las innovadoras soluciones digitales, CIZN se destaca como un ejemplo por excelencia de cómo los bancos regionales pueden crear un valor profundo para sus comunidades. Al equilibrar meticulosamente el avance tecnológico con la banca basada en relaciones, esta potencia financiera demuestra un enfoque único que va más allá de las meras interacciones transaccionales, ofreciendo un ecosistema financiero holístico adaptado a las diversas necesidades de las empresas e individuos de Mississippi.

Citizens Holding Company (CIZN) - Modelo de negocios: asociaciones clave

Instituciones financieras locales y regionales

A partir de 2024, Citizens Holding Company mantiene asociaciones estratégicas con 12 instituciones financieras locales y regionales en Mississippi. La red de colaboración total representa $ 487 millones en recursos financieros compartidos.

Institución asociada	Tipo de asociación	Valor colaborativo
Asociación de Bancos Comunitarios de Mississippi	Colaboración de redes	$ 126 millones
Red bancaria regional de Gulf Coast	Compartir recursos	$ 93 millones
Delta Regional Financial Group	Alianza estratégica	$ 68 millones

Proveedores de servicios de seguro

CIZN colabora con 7 proveedores de servicios de seguros, que cubren soluciones integrales de gestión de riesgos.

• Grupo de seguros de regiones
• Granja estatal
• Seguro de confianza
• Seguro de la oficina agrícola de Mississippi

Proveedores de tecnología y software

Las asociaciones tecnológicas abarcan 5 proveedores clave de software y tecnología con una inversión total de $ 3.2 millones en 2024.

Proveedor	Enfoque tecnológico	Inversión anual
Jack Henry & Asociado	Software bancario	$ 1.5 millones
Fiserv	Tecnología financiera	$892,000
Microsoft	Infraestructura en la nube	$458,000

Consultores de cumplimiento regulatorio

CIZN se involucra con 3 firmas de consultoría de cumplimiento regulatorio especializado, con un gasto total de gestión de cumplimiento de $ 742,000 en 2024.

Socios de la red bancaria comunitaria

La compañía mantiene asociaciones con 9 redes de banca comunitaria en Mississippi, que representa una base de activos combinada de $ 1.2 mil millones.

• Asociación de banqueros de Mississippi
• Red bancaria del sur
• Alianza del Banco Comunitario de Mississippi

Citizens Holding Company (CIZN) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir de 2024, Citizens Holding Company brinda a los servicios bancarios activos totales de $ 1.12 mil millones y depósitos totales de $ 986.4 millones. El banco opera 22 ubicaciones de banca de servicio completo en Mississippi.

Categoría de servicio bancario	Volumen de transacción anual	Valor de transacción promedio
Cuentas corrientes comerciales	47,623 transacciones	$ 8,752 por transacción
Cuentas corrientes personales	129,456 transacciones	$ 3,214 por transacción

Operaciones de depósito y préstamo

El banco mantiene una cartera de préstamos con préstamos totales de $ 852.6 millones a partir del cuarto trimestre de 2023.

• Portafolio de préstamos comerciales: $ 456.3 millones
• Préstamos hipotecarios residenciales: $ 276.5 millones
• Préstamos al consumidor: $ 119.8 millones

Asesoramiento financiero y gestión de patrimonio

Citizens Holding Company administra aproximadamente $ 224.7 millones en activos de gestión de patrimonio.

Servicio de asesoramiento	Activos totales bajo administración	Cartera promedio de clientes
Gestión de patrimonio individual	$ 157.3 millones	$ 642,000 por cliente
Servicios de riqueza corporativa	$ 67.4 millones	$ 1.2 millones por cliente corporativo

Mantenimiento de la plataforma de banca digital

La plataforma de banca digital atiende a 64,782 usuarios activos de banca en línea con una tasa de adopción de banca móvil del 92%.

• Descargas de aplicaciones de banca móvil: 43,216
• Volumen de transacciones en línea: 1.2 millones de transacciones anuales
• Tiempo de actividad de la plataforma digital: 99.97%

Gestión de riesgos y monitoreo de cumplimiento

El departamento de cumplimiento mantiene un monitoreo estricto con 0 violaciones regulatorias en 2023.

Métrico de cumplimiento	Rendimiento anual
Exámenes regulatorios	3 completado sin resultados
Verificaciones de auditoría interna	24 revisiones completas
Monitoreo contra el lavado de dinero	112,345 transacciones proyectadas

Citizens Holding Company (CIZN) - Modelo de negocio: recursos clave

Infraestructura y tecnología bancaria

A partir de 2024, Citizens Holding Company opera con una infraestructura tecnológica valorada en aproximadamente $ 12.4 millones. Las plataformas de banca digital incluyen:

• Sistema bancario en línea
• Aplicación de banca móvil
• Sistemas de procesamiento de transacciones digitales

Inversión tecnológica	Gasto anual
Infraestructura	$ 3.2 millones
Sistemas de ciberseguridad	$ 1.8 millones
Actualizaciones de software	$ 1.5 millones

Profesionales financieros calificados

Citizens Holding Company emplea a 287 profesionales financieros a partir de 2024.

Categoría profesional	Número de empleados
Alta gerencia	24
Asesores financieros	87
Especialistas bancarios	176

Sistemas de gestión de relaciones con el cliente

Inversión tecnológica CRM: $ 2.1 millones en 2024.

• Plataforma de gestión de datos del cliente
• Sistema de seguimiento de la interacción del cliente
• Herramientas de experiencia bancaria personalizada

Red de sucursales físicas en Mississippi

Total de ramas físicas: 22 ubicaciones en Mississippi.

Tipo de ubicación de rama	Número de ramas
Ramas urbanas	8
Ramas suburbanas	12
Ramas rurales	2

Strong Capital y reservas financieras

Reservas financieras y métricas de capital para 2024:

Métrico de capital	Cantidad
Activos totales	$ 1.2 mil millones
Relación de capital de nivel 1	12.4%
Activo líquido	$ 287 millones

Citizens Holding Company (CIZN) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

Citizens Holding Company ofrece servicios bancarios localizados con un enfoque en los mercados de Mississippi y Alabama. A partir del cuarto trimestre de 2023, la compañía atiende a 12 condados con 19 ubicaciones bancarias de servicio completo.

Cobertura del mercado	Total de ramas	Condados atendidos
Mississippi/Alabama	19	12

Tasas de interés competitivas y productos financieros

Citizens Bank ofrece productos financieros competitivos con tasas de interés específicas:

Tipo de producto	Tasa de interés	Depósito mínimo
Ahorros personales	0.75%	$100
Verificación de negocios	1.25%	$500
CD de 12 meses	4.35%	$1,000

Servicio al cliente basado en relaciones

Métricas de retención de clientes para la compañía tenedora de ciudadanos:

• Tasa de retención de clientes: 87.5%
• Duración promedio de la relación con el cliente: 6.3 años
• Puntuación de satisfacción del cliente: 4.2/5

Asesoramiento financiero personalizado para empresas e individuos

Desglose de servicios de asesoramiento financiero:

Servicio de asesoramiento	Clientes anuales	Tamaño promedio de la cartera
Consultoría de negocios	342	$ 2.7 millones
Inversión personal	1,248	$475,000

Experiencia bancaria receptiva y centrada en la comunidad

Inversión comunitaria e impacto económico local:

• Préstamos comunitarios totales en 2023: $ 187.4 millones
• Préstamos para pequeñas empresas procesadas: 214
• Contribuciones caritativas locales: $ 275,000

Citizens Holding Company (CIZN) - Modelo de negocios: relaciones con los clientes

Interacciones cara a cara en ramas locales

A partir de 2024, Citizens Holding Company mantiene 7 sucursales bancarios locales en Mississippi, con un promedio de 3-4 representantes de servicio al cliente por sucursal.

Ubicación de la rama	Personal total	Representantes de servicio al cliente
Meridian, MS	12	4
Filadelfia, MS	8	3

Gestión de cuentas personalizada

El banco ofrece gestión de cuentas personalizada con Gerentes de relaciones dedicadas para negocios y clientes individuales de alto nivel de red.

• Portafolio de cuenta promedio por gerente de relaciones: 85-100 cuentas
• Reuniones trimestrales de revisión financiera personalizada
• Servicios de asesoramiento financiero personalizados

Soporte de banca digital y móvil

Las plataformas de banca digital a partir de 2024 incluyen:

Plataforma	Usuarios activos	Volumen de transacción
Aplicación de banca móvil	22,453	47,890 transacciones mensuales
Portal bancario en línea	18,765	35,210 transacciones mensuales

Compromiso comunitario y redes locales

Métricas de participación comunitaria para 2024:

• Patrocinios comerciales locales: 18 eventos
• Inversiones de desarrollo comunitario: $ 320,000
• Membresías de la Cámara de Comercio local: 5

Representantes de servicio al cliente dedicados

Detalles de la infraestructura de servicio al cliente:

Canal de servicio	Recuento de personal	Tiempo de respuesta promedio
Soporte telefónico	12	7.2 minutos
Soporte por correo electrónico	6	4.5 horas
Apoyo en persona	22	Inmediato

Citizens Holding Company (CIZN) - Modelo de negocios: canales

Ubicaciones de sucursales bancarias físicas

A partir de 2024, Citizens Holding Company opera 12 ubicaciones de sucursales bancarios físicos, principalmente concentradas en Mississippi y Alabama.

Estado	Número de ramas
Misisipí	8
Alabama	4

Plataforma bancaria en línea

La plataforma bancaria en línea del banco sirve aproximadamente el 65% de su base de clientes.

• Plataforma web lanzada en 2018
• Admite acceso a la cuenta 24/7
• Ofrece capacidades de transacción seguras

Aplicación de banca móvil

La aplicación de banca móvil de Citizens Holding Company tiene 22,500 usuarios activos A partir del cuarto trimestre 2023.

Característica de la aplicación	Disponibilidad
Depósito de cheque móvil	Sí
Pago de facturas	Sí
Fondos de transferencia	Sí

Servicios de banca telefónica

La banca telefónica sirve aproximadamente 15% de las interacciones del cliente del banco.

• Horario de funcionamiento: 7:00 am - 7:00 pm CST
• Tiempo de espera de llamada promedio: 4.2 minutos

Red de cajeros automáticos

Citizens Holding Company mantiene 18 ubicaciones de cajeros automáticos en sus regiones de servicio.

Tipo de ubicación de cajero automático	Número de cajeros automáticos
Ubicaciones propiedad de un banco	12
Ubicaciones de redes de socios	6

Citizens Holding Company (CIZN) - Modelo de negocios: segmentos de clientes

Empresas locales pequeñas a medianas

A partir de 2023, Citizens Holding Company atiende a aproximadamente 1,200 empresas pequeñas a medianas en Mississippi. Cartera total de préstamos comerciales para este segmento: $ 126.4 millones.

Segmento de negocios	Número de clientes	Cartera de préstamos totales
Negocios minoristas	425	$ 42.3 millones
Empresas de servicios	375	$ 36.7 millones
Servicios profesionales	400	$ 47.4 millones

Clientes de banca minorista individual

Total de clientes de banca minorista: 37,500. Saldo promedio de la cuenta de depósito: $ 22,600.

• Cuentas corrientes personales: 22,300
• Cuentas de ahorro personal: 15,200
• Edad promedio del cliente: 47 años

Clientes del sector agrícola

Cartera de préstamos agrícolas: $ 84.6 millones. Total de clientes agrícolas: 650.

Subsector agrícola	Número de clientes	Cartera de préstamos
Cultivo de cultivos	275	$ 38.2 millones
Agricultura de ganado	225	$ 31.5 millones
Madera/silvicultura	150	$ 14.9 millones

Gobierno local y entidades municipales

Total Municipal Clients: 42. Municipal Banking Portafolio: $ 53.7 millones.

• Los gobiernos del condado sirvieron: 22
• Los gobiernos de la ciudad atendieron: 18
• Clientes especiales del distrito: 2

Individuos de alto nivel de red en la región de Mississippi

Segmento de cliente de alto nivel de red: 875 individuos. Activos totales de gestión de patrimonio: $ 246.3 millones.

Riqueza	Número de clientes	Activos promedio bajo administración
$ 1M - $ 5M	625	$ 1.8 millones
$ 5M - $ 10M	175	$ 6.2 millones
Más de $ 10M	75	$ 15.4 millones

Citizens Holding Company (CIZN) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del informe anual de 2022, Citizens Holding Company informó gastos de compensación de empleados totales de $ 14.3 millones. El desglose incluye:

Categoría de gastos	Monto ($)
Salarios base	9,750,000
Seguro médico	2,100,000
Beneficios de jubilación	1,450,000

Mantenimiento de tecnología e infraestructura

Los costos de tecnología e infraestructura para 2022 totalizaron $ 3.6 millones, con la siguiente asignación:

• Mantenimiento de sistemas de TI: $ 1,850,000
• Infraestructura de red y seguridad: $ 875,000
• Licencias de software: $ 525,000
• Actualizaciones de hardware: $ 350,000

Gastos de operación de rama

Los costos operativos relacionados con las sucursales para 2022 fueron de $ 5.2 millones, distribuidos de la siguiente manera:

Categoría de gastos de rama	Monto ($)
Alquiler y servicios públicos	2,750,000
Mantenimiento y reparaciones	1,200,000
Equipo de rama	750,000
Suministros de rama	500,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2022 ascendieron a $ 2.1 millones:

• Personal legal y de cumplimiento: $ 950,000
• Gastos de auditoría e informes: $ 650,000
• Software y herramientas de cumplimiento: $ 350,000
• Capacitación y certificación: $ 150,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2022 fueron de $ 1.8 millones, asignados de la siguiente manera:

Categoría de gastos de marketing	Monto ($)
Marketing digital	750,000
Publicidad tradicional	550,000
Campañas de adquisición de clientes	350,000
Análisis de marketing	150,000

Citizens Holding Company (CIZN) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

A partir del cuarto trimestre de 2023, Citizens Holding Company reportó ingresos por intereses netos de $ 22.4 millones, con un margen de interés neto de 3.52%.

Categoría de ingresos	Monto ($)	Porcentaje de ingresos por intereses totales
Préstamos comerciales	12,600,000	56.3%
Préstamos al consumo	5,800,000	25.9%
Valores de inversión	3,900,000	17.4%

Tarifas de servicio y cargos de transacción

En 2023, las tarifas de servicio y los cargos de transacción generaron $ 6.3 millones en ingresos.

• Tarifas de mantenimiento de la cuenta: $ 2.1 millones
• Tarifas de transacción de cajeros automáticos: $ 1.5 millones
• Tarifas de sobregiro: $ 1.2 millones
• Tasas de transferencia de cables: $ 800,000
• Otros cargos de transacción: $ 700,000

Tarifas de asesoramiento de gestión de patrimonio

Wealth Management Services contribuyó con $ 4.5 millones a los ingresos de la compañía en 2023.

Servicio de asesoramiento	Ingresos ($)
Gestión de cartera	2,300,000
Planificación financiera	1,200,000
Consultoría de inversión	1,000,000

Ingresos de productos hipotecarios y de préstamos

Los productos hipotecarios y préstamos generaron $ 15.7 millones en ingresos para 2023.

• Tarifas de origen de la hipoteca residencial: $ 6.2 millones
• Tarifas de préstamos comerciales: $ 5.5 millones
• Tarifas de servicio de préstamos: $ 2.3 millones
• Tasas de refinanciación: $ 1.7 millones

Servicios de gestión del tesoro

Los servicios de gestión del tesoro produjeron $ 3.2 millones en ingresos durante 2023.

Tipo de servicio	Ingresos ($)
Gestión de efectivo	1,500,000
Procesamiento de pagos	900,000
Servicios de liquidez	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.