Holding Company (CIZN): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Aninhado no coração do cenário financeiro do Mississippi, a Holding Company (CIZN) surge como uma instituição bancária focada na comunidade dinâmica que transforma os paradigmas bancários tradicionais. Com uma tela estratégica de modelo de negócios que tece a experiência local, serviços personalizados e soluções digitais inovadoras, a CIZN se destaca como um exemplo por excelência de como os bancos regionais podem criar um valor profundo para suas comunidades. Ao equilibrar meticulosamente o avanço tecnológico com o setor bancário orientado a relacionamentos, essa potência financeira demonstra uma abordagem única que vai além das meras interações transacionais, oferecendo um ecossistema financeiro holístico adaptado às diversas necessidades dos negócios e indivíduos do Mississippi.

Holding Company (CIZN) - Modelo de Negócios: Principais Parcerias

Instituições financeiras locais e regionais

A partir de 2024, a Holding Company mantém parcerias estratégicas com 12 instituições financeiras locais e regionais no Mississippi. A rede total de colaboração representa US $ 487 milhões em recursos financeiros compartilhados.

Instituição parceira	Tipo de parceria	Valor colaborativo
Associação de bancos comunitários do Mississippi	Colaboração de rede	US $ 126 milhões
Rede Bancária Regional da Costa do Golfo	Compartilhamento de recursos	US $ 93 milhões
Grupo Financeiro Regional Delta	Aliança estratégica	US $ 68 milhões

Provedores de serviços de seguro

O CIZN colabora com 7 provedores de serviços de seguros, cobrindo soluções abrangentes de gerenciamento de riscos.

• Grupo de Seguros de Regiões
• State Farm
• Seguro de trustmark
• Seguro do Mississippi Farm Bureau

Fornecedores de tecnologia e software

As parcerias de tecnologia abrangem 5 provedores de software e tecnologia principais com um investimento total de US $ 3,2 milhões em 2024.

Fornecedor	Foco em tecnologia	Investimento anual
Jack Henry & Associados	Software bancário	US $ 1,5 milhão
Fiserv	Tecnologia financeira	$892,000
Microsoft	Infraestrutura em nuvem	$458,000

Consultores de conformidade regulatória

O CIZN se envolve com 3 empresas especializadas de consultoria de conformidade regulatória, com gastos totais de gerenciamento de conformidade de US $ 742.000 em 2024.

Community Banking Network Partners

A empresa mantém parcerias com 9 redes bancárias comunitárias no Mississippi, representando uma base de ativos combinada de US $ 1,2 bilhão.

• Associação de Banqueiros do Mississippi
• Rede Bancária do Sul
• Aliança do Banco Comunitário do Mississippi

Holding Company (CIZN) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A partir de 2024, a Citizens Holding Company fornece serviços bancários com ativos totais de US $ 1,12 bilhão e depósitos totais de US $ 986,4 milhões. O banco opera 22 locais bancários de serviço completo no Mississippi.

Categoria de serviço bancário	Volume anual de transações	Valor médio da transação
Contas de corrente comercial	47.623 transações	US $ 8.752 por transação
Contas de corrente pessoal	129.456 transações	US $ 3.214 por transação

Operações de depósito e empréstimo

O banco mantém uma carteira de empréstimos com empréstimos totais de US $ 852,6 milhões a partir do quarto trimestre de 2023.

• Portfólio de empréstimos comerciais: US $ 456,3 milhões
• Empréstimos hipotecários residenciais: US $ 276,5 milhões
• Empréstimos ao consumidor: US $ 119,8 milhões

Conselho financeiro e gestão de patrimônio

A Holding Company da Citizens gerencia aproximadamente US $ 224,7 milhões em ativos de gerenciamento de patrimônio.

Serviço de consultoria	Total de ativos sob gestão	Portfólio médio de clientes
Gestão individual de patrimônio	US $ 157,3 milhões	US $ 642.000 por cliente
Serviços de riqueza corporativa	US $ 67,4 milhões	US $ 1,2 milhão por cliente corporativo

Manutenção da plataforma bancária digital

A plataforma bancária digital atende 64.782 usuários de bancos on -line ativos com 92% de taxa de adoção de bancos móveis.

• Downloads de aplicativos bancários móveis: 43.216
• Volume de transações online: 1,2 milhão de transações anuais
• Tempo de atividade da plataforma digital: 99,97%

Gerenciamento de riscos e monitoramento de conformidade

O Departamento de Conformidade mantém o monitoramento rigoroso com 0 violações regulatórias em 2023.

Métrica de conformidade	Desempenho anual
Exames regulatórios	3 concluídos sem descobertas
Verificações de auditoria interna	24 revisões abrangentes
Monitoramento de lavagem de dinheiro	112.345 transações rastreadas

Holding Company (CIZN) - Modelo de negócios: Recursos -chave

Infraestrutura bancária e tecnologia

A partir de 2024, a Holding Company opera com uma infraestrutura de tecnologia no valor de aproximadamente US $ 12,4 milhões. As plataformas bancárias digitais incluem:

• Sistema bancário online
• Aplicativo bancário móvel
• Sistemas de processamento de transações digitais

Investimento em tecnologia	Despesas anuais
Infraestrutura de TI	US $ 3,2 milhões
Sistemas de segurança cibernética	US $ 1,8 milhão
Atualizações de software	US $ 1,5 milhão

Profissionais financeiros qualificados

A Holding Company emprega 287 profissionais financeiros a partir de 2024.

Categoria profissional	Número de funcionários
Gestão sênior	24
Consultores financeiros	87
Especialistas bancários	176

Sistemas de gerenciamento de relacionamento com clientes

Investimento em tecnologia do CRM: US $ 2,1 milhões em 2024.

• Plataforma de gerenciamento de dados do cliente
• Sistema de rastreamento de interação do cliente
• Ferramentas de experiência bancária personalizadas

Rede de filial física no Mississippi

Filiais físicos totais: 22 locais no Mississippi.

Tipo de localização da filial	Número de ramificações
Ramos urbanos	8
Ramos suburbanos	12
Ramos rurais	2

Capital forte e reservas financeiras

Reservas financeiras e métricas de capital para 2024:

Métrica de capital	Quantia
Total de ativos	US $ 1,2 bilhão
Índice de capital de camada 1	12.4%
Ativos líquidos	US $ 287 milhões

Holding Company (CIZN) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para comunidades locais

A Holding Company fornece serviços bancários localizados, com foco nos mercados do Mississippi e Alabama. A partir do quarto trimestre 2023, a empresa atende 12 municípios com 19 locais bancários de serviço completo.

Cobertura de mercado	Filiais totais	Condados servidos
Mississippi/Alabama	19	12

Taxas de juros competitivas e produtos financeiros

O Citizens Bank oferece produtos financeiros competitivos com taxas de juros específicas:

Tipo de produto	Taxa de juro	Depósito mínimo
Economia pessoal	0.75%	$100
Verificação de negócios	1.25%	$500
CD de 12 meses	4.35%	$1,000

Atendimento ao cliente orientado por relacionamento

Métricas de retenção de clientes para a Holding Company:

• Taxa de retenção de clientes: 87,5%
• Duração média do relacionamento do cliente: 6,3 anos
• Pontuação de satisfação do cliente: 4,2/5

Conselhos financeiros personalizados para empresas e indivíduos

Avaria de serviços de consultoria financeira:

Serviço de consultoria	Clientes anuais	Tamanho médio do portfólio
Consultoria de Negócios	342	US $ 2,7 milhões
Investimento pessoal	1,248	$475,000

Experiência bancária responsiva e focada na comunidade

Investimento comunitário e impacto econômico local:

• Empréstimos da comunidade total em 2023: US $ 187,4 milhões
• Empréstimos para pequenas empresas processadas: 214
• Contribuições de caridade locais: US $ 275.000

Holding Company (CIZN) - Modelo de Negócios: Relacionamentos do Cliente

Interações presenciais nas filiais locais

A partir de 2024, a Holding Company mantém 7 agências bancárias locais no Mississippi, com uma média de 3-4 representantes de atendimento ao cliente por filial.

Localização da filial	Pessoal total	Representantes de atendimento ao cliente
Meridian, MS	12	4
Filadélfia, MS	8	3

Gerenciamento de contas personalizado

O banco oferece gerenciamento de contas personalizado com Gerentes de relacionamento dedicados Para clientes individuais de negócios e de alta rede.

• Portfólio de contas médias por gerente de relacionamento: 85-100 contas
• Reuniões de revisão financeira personalizadas trimestrais
• Serviços de consultoria financeira personalizada

Suporte bancário digital e móvel

As plataformas bancárias digitais a partir de 2024 incluem:

Plataforma	Usuários ativos	Volume de transação
Aplicativo bancário móvel	22,453	47.890 transações mensais
Portal bancário online	18,765	35.210 transações mensais

Engajamento da comunidade e redes locais

Métricas de engajamento da comunidade para 2024:

• Patrocínio de negócios locais: 18 eventos
• Investimentos de desenvolvimento comunitário: US $ 320.000
• Associações da Câmara de Comércio Local: 5

Representantes de atendimento ao cliente dedicados

Detalhes da infraestrutura de atendimento ao cliente:

Canal de serviço	Contagem de funcionários	Tempo médio de resposta
Suporte telefônico	12	7,2 minutos
Suporte por e -mail	6	4,5 horas
Apoio pessoal	22	Imediato

Holding Company (CIZN) - Modelo de Negócios: Canais

Locais da agência bancária física

A partir de 2024, a Holding Company opera 12 localizações físicas de agências bancárias, concentradas principalmente no Mississippi e Alabama.

Estado	Número de ramificações
Mississippi	8
Alabama	4

Plataforma bancária online

A plataforma bancária online do banco serve Aproximadamente 65% de sua base de clientes.

• Plataforma da Web lançada em 2018
• Suporta acesso à conta 24/7
• Oferece recursos de transação seguros

Aplicativo bancário móvel

Citizens Holding Company Mobile Banking App tem 22.500 usuários ativos A partir do quarto trimestre 2023.

Recurso do aplicativo	Disponibilidade
Depósito de cheque móvel	Sim
Pagamento de contas	Sim
Transferir fundos	Sim

Serviços bancários telefônicos

Banco telefônico serve aproximadamente 15% das interações do cliente do banco.

• Horário de operação: 7:00 - 19:00 CST
• Tempo médio de espera de chamada: 4,2 minutos

Rede ATM

A Holding Company mantém 18 ATMs em suas regiões de serviço.

Tipo de localização do ATM	Número de caixas eletrônicos
Locais de propriedade de bancos	12
Locais de rede de parceiros	6

Holding Company (CIZN) - Modelo de negócios: segmentos de clientes

Empresas pequenas e médias locais

A partir de 2023, a Citizens Holding Company atende aproximadamente 1.200 empresas pequenas e médias no Mississippi. Portfólio total de empréstimos comerciais para este segmento: US $ 126,4 milhões.

Segmento de negócios	Número de clientes	Portfólio total de empréstimos
Negócios de varejo	425	US $ 42,3 milhões
Negócios de serviço	375	US $ 36,7 milhões
Serviços profissionais	400	US $ 47,4 milhões

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 37.500. Saldo médio da conta de depósito: US $ 22.600.

• Contas de corrente pessoal: 22.300
• Contas de poupança pessoal: 15.200
• Idade média do cliente: 47 anos

Clientes do setor agrícola

Portfólio de empréstimos agrícolas: US $ 84,6 milhões. Total de clientes agrícolas: 650.

Subsetor Agrícola	Número de clientes	Portfólio de empréstimos
Agricultura de culturas	275	US $ 38,2 milhões
Agricultura de gado	225	US $ 31,5 milhões
Madeira/silvicultura	150	US $ 14,9 milhões

Governo local e entidades municipais

Total de clientes municipais: 42. Portfólio bancário municipal: US $ 53,7 milhões.

• Os governos do condado serviram: 22
• Os governos da cidade serviram: 18
• Clientes distritais especiais: 2

Indivíduos de alta rede na região do Mississippi

Segmento de clientes de alta rede: 875 indivíduos. Total de ativos de gerenciamento de patrimônio: US $ 246,3 milhões.

Suporte de riqueza	Número de clientes	Ativos médios sob gerenciamento
$ 1m - US $ 5m	625	US $ 1,8 milhão
US $ 5 milhões - US $ 10 milhões	175	US $ 6,2 milhões
Mais de US $ 10 milhões	75	US $ 15,4 milhões

Holding Company (CIZN) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

Até o relatório anual de 2022, a Citizens Holding Company relatou despesas totais de remuneração de funcionários de US $ 14,3 milhões. O colapso inclui:

Categoria de despesa	Valor ($)
Salários da base	9,750,000
Seguro de saúde	2,100,000
Benefícios de aposentadoria	1,450,000

Manutenção de tecnologia e infraestrutura

Os custos de tecnologia e infraestrutura para 2022 totalizaram US $ 3,6 milhões, com a seguinte alocação:

• Manutenção de sistemas de TI: US $ 1.850.000
• Infraestrutura de rede e segurança: US $ 875.000
• Licenciamento de software: US $ 525.000
• Atualizações de hardware: US $ 350.000

Despesas de operação de ramificação

Os custos operacionais relacionados à filial para 2022 foram de US $ 5,2 milhões, distribuídos da seguinte forma:

Categoria de despesa de ramificação	Valor ($)
Aluguel e utilitários	2,750,000
Manutenção e reparos	1,200,000
Equipamento de ramificação	750,000
Suprimentos de ramificação	500,000

Custos de conformidade regulatória

As despesas de conformidade regulatória de 2022 totalizaram US $ 2,1 milhões:

• Equipe legal e de conformidade: US $ 950.000
• Despesas de auditoria e relatório: US $ 650.000
• Software e ferramentas de conformidade: US $ 350.000
• Treinamento e certificação: US $ 150.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2022 foram de US $ 1,8 milhão, alocadas da seguinte forma:

Categoria de despesa de marketing	Valor ($)
Marketing digital	750,000
Publicidade tradicional	550,000
Campanhas de aquisição de clientes	350,000
Análise de marketing	150,000

Holding Company (CIZN) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

A partir do quarto trimestre de 2023, a Holding Company da Citizens reportou receita de juros líquidos de US $ 22,4 milhões, com uma margem de juros líquidos de 3,52%.

Categoria de receita	Valor ($)	Porcentagem da receita total de juros
Empréstimos comerciais	12,600,000	56.3%
Empréstimos ao consumidor	5,800,000	25.9%
Títulos de investimento	3,900,000	17.4%

Taxas de serviço e cobranças de transação

Em 2023, as taxas de serviço e as cobranças de transação geraram US $ 6,3 milhões em receita.

• Taxas de manutenção de conta: US $ 2,1 milhões
• Taxas de transação ATM: US $ 1,5 milhão
• Taxas de cheque especial: US $ 1,2 milhão
• Taxas de transferência de fio: US $ 800.000
• Outras cobranças de transação: US $ 700.000

Taxas de consultoria de gestão de patrimônio

Os serviços de gerenciamento de patrimônio contribuíram com US $ 4,5 milhões para a receita da empresa em 2023.

Serviço de consultoria	Receita ($)
Gerenciamento de portfólio	2,300,000
Planejamento financeiro	1,200,000
Consultoria de investimento	1,000,000

Receita de produtos hipotecários e empréstimos

Os produtos de hipoteca e empréstimos geraram US $ 15,7 milhões em receita para 2023.

• Taxas de originação de hipotecas residenciais: US $ 6,2 milhões
• Taxas de empréstimos comerciais: US $ 5,5 milhões
• Taxas de serviço de empréstimo: US $ 2,3 milhões
• Taxas de refinanciamento: US $ 1,7 milhão

Serviços de Gerenciamento do Tesouro

Os Serviços de Gerenciamento do Tesouro produziram US $ 3,2 milhões em receita durante 2023.

Tipo de serviço	Receita ($)
Gerenciamento de caixa	1,500,000
Processamento de pagamento	900,000
Serviços 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.