Citizens Holding Company (CIZN): Business Model Canvas [Jan-2025 Mis à jour]

Niché au cœur du paysage financier du Mississippi, les citoyens Holding Company (CIZN) apparaissent comme une institution bancaire dynamique axée sur la communauté qui transforme les paradigmes bancaires traditionnels. Avec une toile de modèle commercial stratégique qui tisse une expertise locale, des services personnalisés et des solutions numériques innovantes, Cizn se distingue comme un exemple par excellence de la façon dont les banques régionales peuvent créer une valeur profonde pour leurs communautés. En équilibrant méticuleusement les progrès technologiques avec les banques axées sur les relations, cette puissance financière démontre une approche unique qui va au-delà des simples interactions transactionnelles, offrant un écosystème financier holistique adapté aux divers besoins des entreprises et des particuliers du Mississippi.

Citizens Holding Company (CIZN) - Modèle d'entreprise: partenariats clés

Institutions financières locales et régionales

En 2024, la société de portefeuille des citoyens maintient des partenariats stratégiques avec 12 institutions financières locales et régionales du Mississippi. Le réseau collaboratif total représente 487 millions de dollars en ressources financières partagées.

Institution partenaire	Type de partenariat	Valeur collaborative
Association des banques communautaires du Mississippi	Collaboration de réseau	126 millions de dollars
Réseau bancaire régional de la côte de la Golfe	Partage de ressources	93 millions de dollars
Groupe financier régional delta	Alliance stratégique	68 millions de dollars

Fournisseurs de services d'assurance

CIZN collabore avec 7 fournisseurs de services d'assurance, couvrant des solutions complètes de gestion des risques.

• Groupe d'assurance des régions
• Ferme d'État
• Assurance Trustmark
• Assurance du Mississippi Farm Bureau

Fournisseurs de technologie et de logiciels

Les partenariats technologiques comprennent 5 fournisseurs de logiciels et de technologies clés avec un investissement total de 3,2 millions de dollars en 2024.

Fournisseur	Focus technologique	Investissement annuel
Jack Henry & Associés	Logiciel bancaire	1,5 million de dollars
Finerv	Technologie financière	$892,000
Microsoft	Infrastructure cloud	$458,000

Consultants en conformité réglementaire

CIZN s'engage avec 3 cabinets de conseil en conformité réglementaire spécialisés, avec des dépenses totales de gestion de la conformité de 742 000 $ en 2024.

Partners du réseau bancaire communautaire

La société maintient des partenariats avec 9 réseaux bancaires communautaires à travers le Mississippi, représentant une base d'actifs combinée de 1,2 milliard de dollars.

• Association des banquiers du Mississippi
• Réseau bancaire du sud
• Alliance de la banque communautaire du Mississippi

Citizens Holding Company (CIZN) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et personnels

En 2024, Citizens Holding Company fournit des services bancaires avec un actif total de 1,12 milliard de dollars et des dépôts totaux de 986,4 millions de dollars. La banque exploite 22 emplacements bancaires à service complet à travers le Mississippi.

Catégorie de service bancaire	Volume de transaction annuel	Valeur de transaction moyenne
Comptes de chèques commerciaux	47 623 transactions	8 752 $ par transaction
Comptes de chèques personnels	129 456 transactions	3 214 $ par transaction

Opérations de dépôt et de prêt

La banque maintient un portefeuille de prêts avec des prêts totaux de 852,6 millions de dollars au quatrième trimestre 2023.

• Portefeuille de prêts commerciaux: 456,3 millions de dollars
• Prêts hypothécaires résidentiels: 276,5 millions de dollars
• Prêts à la consommation: 119,8 millions de dollars

Conseil financier et gestion de la patrimoine

Citizens Holding Company gère environ 224,7 millions de dollars d'actifs de gestion de patrimoine.

Service consultatif	Total des actifs sous gestion	Portefeuille de clients moyens
Gestion individuelle de la richesse	157,3 millions de dollars	642 000 $ par client
Services de richesse d'entreprise	67,4 millions de dollars	1,2 million de dollars par client d'entreprise

Maintenance de la plate-forme bancaire numérique

La plate-forme bancaire numérique dessert 64 782 utilisateurs actifs des banques en ligne avec un taux d'adoption des banques mobiles à 92%.

• Téléchargements d'applications bancaires mobiles: 43 216
• Volume de transactions en ligne: 1,2 million de transactions annuelles
• Temps de disponibilité de la plate-forme numérique: 99,97%

Gestion des risques et surveillance de la conformité

Le service de conformité maintient une surveillance stricte avec 0 violations réglementaires en 2023.

Métrique de conformité	Performance annuelle
Examens réglementaires	3 terminé sans découvertes
Chèques d'audit interne	24 revues complètes
Surveillance anti-blanchiment	112 345 transactions dépistées

Citizens Holding Company (CIZN) - Modèle d'entreprise: Ressources clés

Infrastructure et technologie bancaires

En 2024, Citizens Holding Company opère avec une infrastructure technologique d'une valeur d'environ 12,4 millions de dollars. Les plates-formes bancaires numériques comprennent:

• Système bancaire en ligne
• Application bancaire mobile
• Systèmes de traitement des transactions numériques

Investissement technologique	Dépenses annuelles
Infrastructure informatique	3,2 millions de dollars
Systèmes de cybersécurité	1,8 million de dollars
Mises à niveau logicielle	1,5 million de dollars

Professionnels financiers qualifiés

Citizens Holding Company emploie 287 professionnels financiers en 2024.

Catégorie professionnelle	Nombre d'employés
Senior	24
Conseillers financiers	87
Spécialistes bancaires	176

Systèmes de gestion de la relation client

Investissement technologique CRM: 2,1 millions de dollars en 2024.

• Plateforme de gestion des données clients
• Système de suivi d'interaction client
• Outils d'expérience bancaire personnalisés

Réseau de succursale physique au Mississippi

Branches physiques totales: 22 emplacements à travers le Mississippi.

Type d'emplacement de la succursale	Nombre de branches
Branches urbaines	8
Branches de banlieue	12
Branches rurales	2

Capitaux solides et réserves financières

Réserves financières et métriques en capital pour 2024:

Métrique capitale	Montant
Actif total	1,2 milliard de dollars
Ratio de capital de niveau 1	12.4%
Actifs liquides	287 millions de dollars

Citizens Holding Company (CIZN) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Citizens Holding Company fournit aux services bancaires localisés en mettant l'accent sur les marchés du Mississippi et de l'Alabama. Au quatrième trimestre 2023, la société dessert 12 comtés avec 19 emplacements bancaires à service complet.

Couverture du marché	Total des succursales	Les comtés servis
Mississippi / Alabama	19	12

Taux d'intérêt concurrentiels et produits financiers

Citizens Bank propose des produits financiers compétitifs avec des taux d'intérêt spécifiques:

Type de produit	Taux d'intérêt	Dépôt minimum
Économies personnelles	0.75%	$100
Vérification des affaires	1.25%	$500
CD de 12 mois	4.35%	$1,000

Service client axé sur les relations

Métriques de fidélisation de la clientèle pour Citizens Holding Company:

• Taux de rétention de la clientèle: 87,5%
• Durée moyenne de la relation client: 6,3 ans
• Score de satisfaction du client: 4.2 / 5

Conseils financiers sur mesure pour les entreprises et les particuliers

Répartition des services de conseil financier:

Service consultatif	Clients annuels	Taille moyenne du portefeuille
Conseil des affaires	342	2,7 millions de dollars
Investissement personnel	1,248	$475,000

Expérience bancaire réactive et axée sur la communauté

Investissement communautaire et impact économique local:

• Total des prêts communautaires en 2023: 187,4 millions de dollars
• Prêts aux petites entreprises traités: 214
• Contributions de bienfaisance locales: 275 000 $

Citizens Holding Company (CIZN) - Modèle d'entreprise: relations clients

Interactions en face à face dans les succursales locales

En 2024, la société de portefeuille des citoyens maintient 7 succursales bancaires locales à travers le Mississippi, avec une moyenne de 3-4 représentants du service client par succursale.

Emplacement de la succursale	Personnel total	Représentants du service à la clientèle
Meridian, MS	12	4
Philadelphie, MS	8	3

Gestion de compte personnalisée

La banque propose une gestion de compte personnalisée avec gestionnaires de relations dédiées pour les clients individuels et les clients élevés.

• Portefeuille de compte moyen par gestionnaire de relations: 85-100 comptes
• Réunions de révision financière personnalisées trimestrielles
• Services de conseil financier personnalisés

Prise en charge des banques numériques et mobiles

Les plates-formes bancaires numériques à partir de 2024 incluent:

Plate-forme	Utilisateurs actifs	Volume de transaction
Application bancaire mobile	22,453	47 890 transactions mensuelles
Portail bancaire en ligne	18,765	35 210 transactions mensuelles

Engagement communautaire et réseautage local

Métriques d'engagement communautaire pour 2024:

• Commandites commerciales locales: 18 événements
• Investissements au développement communautaire: 320 000 $
• Adhésions locales à la Chambre de commerce: 5

Représentants dédiés au service à la clientèle

Détails de l'infrastructure du service client:

Canal de service	Compte	Temps de réponse moyen
Support téléphonique	12	7,2 minutes
Assistance par e-mail	6	4,5 heures
Soutien en personne	22	Immédiat

Citizens Holding Company (CIZN) - Modèle d'entreprise: canaux

Implices de succursales bancaires physiques

En 2024, la société de portefeuille des citoyens exploite 12 succursales de banque physique, principalement concentrées dans le Mississippi et l'Alabama.

État	Nombre de branches
Mississippi	8
Alabama	4

Plateforme bancaire en ligne

La plateforme bancaire en ligne de la banque sert Environ 65% de sa clientèle.

• Plateforme Web lancée en 2018
• Prend en charge l'accès au compte 24/7
• Offre des capacités de transaction sécurisées

Application bancaire mobile

L'application bancaire mobile de la société des citoyens a 22 500 utilisateurs actifs au Q4 2023.

Fonctionnalité d'application	Disponibilité
Dépôt de chèques mobiles	Oui
Rémunération	Oui
Transférer des fonds	Oui

Services bancaires téléphoniques

La banque téléphonique sert approximativement 15% des interactions client de la banque.

• Heures de fonctionnement: 7h00 - 19h00 CST
• Temps d'attente d'appel moyen: 4,2 minutes

Réseau ATM

La société de portefeuille des citoyens maintient 18 emplacements ATM dans ses régions de service.

Type d'emplacement ATM	Nombre de distributeurs automatiques de billets
Emplacements appartenant à des banques	12
Emplacements de réseau partenaire	6

Citizens Holding Company (CIZN) - Modèle d'entreprise: segments de clientèle

Entreprises locales petites et moyennes

En 2023, la société de portefeuille des citoyens dessert environ 1 200 petites et moyennes entreprises du Mississippi. Portfolio total de prêts commerciaux pour ce segment: 126,4 millions de dollars.

Segment d'entreprise	Nombre de clients	Portefeuille de prêts totaux
Commerces de détail	425	42,3 millions de dollars
Entreprises de services	375	36,7 millions de dollars
Services professionnels	400	47,4 millions de dollars

Clients bancaires de détail individuels

Total des clients bancaires au détail: 37 500. Solde moyen du compte de dépôt: 22 600 $.

• Comptes de chèques personnels: 22 300
• Comptes d'épargne personnels: 15 200
• Âge du client moyen: 47 ans

Clients du secteur agricole

Portefeuille de prêts agricoles: 84,6 millions de dollars. Clients agricoles totaux: 650.

Sous-secteur agricole	Nombre de clients	Portefeuille de prêts
Agriculture des cultures	275	38,2 millions de dollars
Élevage	225	31,5 millions de dollars
Bois / foresterie	150	14,9 millions de dollars

Gouvernement local et entités municipales

Clients municipaux totaux: 42. Portefeuille bancaire municipal: 53,7 millions de dollars.

• Les gouvernements du comté servis: 22
• Les gouvernements de la ville servis: 18
• Clients du district spécial: 2

Individus à haute teneur dans la région du Mississippi

Segment client à forte valeur: 875 individus. Actifs totaux de gestion de patrimoine: 246,3 millions de dollars.

Support de richesse	Nombre de clients	Actifs moyens sous gestion
1 M $ - 5 M $	625	1,8 million de dollars
5 M $ - 10 M $	175	6,2 millions de dollars
Plus de 10 millions de dollars	75	15,4 millions de dollars

Citizens Holding Company (CIZN) - Modèle d'entreprise: Structure des coûts

Salaires et avantages sociaux des employés

Depuis le rapport annuel de 2022, la société de portefeuille Citizens a déclaré des frais totaux de rémunération des employés de 14,3 millions de dollars. La ventilation comprend:

Catégorie de dépenses	Montant ($)
Salaires de base	9,750,000
Assurance maladie	2,100,000
Prestations de retraite	1,450,000

Maintenance de technologie et d'infrastructure

Les coûts de technologie et d'infrastructure pour 2022 ont totalisé 3,6 millions de dollars, la répartition suivante:

• Maintenance des systèmes informatiques: 1 850 000 $
• Infrastructure de réseau et de sécurité: 875 000 $
• Licence de logiciel: 525 000 $
• Mises à niveau matériel: 350 000 $

Dépenses de fonctionnement de la succursale

Les coûts opérationnels liés aux succursales pour 2022 étaient de 5,2 millions de dollars, distribués comme suit:

Catégorie de dépenses de succursale	Montant ($)
Loyer et services publics	2,750,000
Entretien et réparations	1,200,000
Équipement de succursale	750,000
Succursales	500,000

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire pour 2022 s'élevaient à 2,1 millions de dollars:

• Personnel juridique et conformité: 950 000 $
• Dépenses d'audit et de rapport: 650 000 $
• Logiciel et outils de conformité: 350 000 $
• Formation et certification: 150 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2022 étaient de 1,8 million de dollars, allouées comme suit:

Catégorie de dépenses de marketing	Montant ($)
Marketing numérique	750,000
Publicité traditionnelle	550,000
Campagnes d'acquisition de clients	350,000
Analyse marketing	150,000

Citizens Holding Company (CIZN) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des investissements

Au quatrième trimestre 2023, Citizens Holding Company a déclaré un revenu net d'intérêts de 22,4 millions de dollars, avec une marge d'intérêt nette de 3,52%.

Catégorie de revenus	Montant ($)	Pourcentage du revenu des intérêts totaux
Prêts commerciaux	12,600,000	56.3%
Prêts à la consommation	5,800,000	25.9%
Titres d'investissement	3,900,000	17.4%

Frais de service et frais de transaction

En 2023, les frais de service et les frais de transaction ont généré 6,3 millions de dollars de revenus.

• Frais de maintenance du compte: 2,1 millions de dollars
• Frais de transaction ATM: 1,5 million de dollars
• Frais de découvert: 1,2 million de dollars
• Frais de transfert de fil: 800 000 $
• Autres frais de transaction: 700 000 $

Frais de conseil en gestion de la patrimoine

Les services de gestion de patrimoine ont contribué 4,5 millions de dollars aux revenus de l'entreprise en 2023.

Service consultatif	Revenus ($)
Gestion du portefeuille	2,300,000
Planification financière	1,200,000
Conseil en investissement	1,000,000

Revenus de produits hypothécaire et de prêt

Les produits hypothécaires et prêts ont généré 15,7 millions de dollars de revenus pour 2023.

• Frais d'origine hypothécaire résidentiels: 6,2 millions de dollars
• Frais de prêt commercial: 5,5 millions de dollars
• Frais de service de prêt: 2,3 millions de dollars
• Frais de refinancement: 1,7 million de dollars

Services de gestion du Trésor

Les services de gestion du Trésor ont produit 3,2 millions de dollars de revenus en 2023.

Type de service	Revenus ($)
Gestion des espèces	1,500,000
Traitement des paiements	900,000
Services de liquidité	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.