Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 29636 |
| Address | 521 Main Street, Philadelphia, MS 39350 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as The Citizens Bank of Philadelphia, Mississippi (FDIC cert 12204). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.6 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 26 (as of 30 Oct 2026) |
Offices by state and county (26)
Mississippi (26 offices)
- Attala County (1): 775 N Jackson St, Kosciusko 39090
- Harrison County (2): 1830 Popps Ferry Rd, Biloxi 39532; 12008 Highway 49, Gulfport 39503
- Jackson County (3): 15309 Lemoyne Blvd, Biloxi 39532; 2702 Bienville Blvd, Ocean Springs 39564; 1519 Jackson Ave, Pascagoula 39567
- Kemper County (2): 176 Main Ave, De Kalb 39328; 1048 Johnson Street, Scooba 39358
- Lafayette County (1): 902 Sisk Ave, Oxford 38655
- Lamar County (1): 6222 U S Highway 98, Hattiesburg 39402
- Lauderdale County (2): 9065 Collinsville Rd, Collinsville 39325; 2209 Highway 45 N, Meridian 39301
- Leake County (1): 301 W Main St, Carthage 39051
- Madison County (1): 320 Highway 51, Ridgeland 39157
- Neshoba County (3): 521 W Main St, Philadelphia 39350 (main office); 599 Main St, Philadelphia 39350; 912 W Beacon St, Philadelphia 39350
- Newton County (2): 15220 Highway 15, Decatur 39327; 502 Bank St, Union 39365
- Oktibbeha County (1): 201 Highway 12 W, Starkville 39759
- Rankin County (1): 2845 Lakeland Dr, Flowood 39232
- Scott County (2): 247 N Woodland Dr, Forest 39074; 24 Pine Street, Sebastopol 39359
- Winston County (3): 100 E Main St, Louisville 39339; 803 S Church Ave, Louisville 39339; 45 Main Street, Noxapater 39346
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by The Citizens Bank of Philadelphia, Mississippi (RSSD 29636, FDIC cert 12204). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $894 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 9.3% from $818 million on 30 Jun 2025 |
| Total assets | $1.56 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $148.9 million | 16.7% |
| Home equity lines of credit | $28.1 million | 3.1% |
| Commercial real estate, construction and multifamily | $567.5 million | 63.5% |
| Commercial and industrial (business) loans | $97.3 million | 10.9% |
| Farmland and farm production loans | $18.2 million | 2.0% |
| Consumer loans (credit cards, auto, other) | $20.8 million | 2.3% |
| All other loans and leases | $13.1 million | 1.5% |
Within consumer loans: auto loans $3.6 million, credit cards $4.2 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 70 loans $3.4 million | 408 loans $8.7 million |
| $100,001 to $250,000 | 68 loans $8.9 million | 70 loans $9.2 million |
| $250,001 to $1 million | 94 loans $36 million | 23 loans $7.4 million |
| All small business loans | 232 loans $48.4 million | 501 loans $25.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
The filing says all or substantially all of these loans had original amounts of $100,000 or less, so the form asks only for a count: 203 loans secured by farmland and 23 farm production loans on the 30 Jun 2026 report. Balances are not broken out on that version of the form.
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025THE CITIZENS BANK OF PHILADELPHIA, MISSISSIPPI reported 328 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $71.1M (median loan about $105,000). 104 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 104 | 32% |
| Refinance (incl. cash-out) | 183 | 56% |
| Home improvement | 19 | 5.8% |
| Other purpose | 22 | 6.7% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 328 | 100% |
Included above: 8 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 39 counties with at least one; 98% of its 2025 loans were for properties in Mississippi:
- Neshoba County, MS (104)
- Jackson County, MS (27)
- Newton County, MS (25)
- Winston County, MS (23)
- Attala County, MS (21)
- Harrison County, MS (21)
- Lauderdale County, MS (21)
- Leake County, MS (13)
Filed under LEI 549300J1JK4OE41PLT95 as “THE CITIZENS BANK”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.56 billion | Larger than 84% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 57% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $818 million → $894 million (+9%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 15 → 15. |
| Home loans originated in 2025 (HMDA) | 328 | More than 78% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 84% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 15 → 15 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 78% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for THE CITIZENS BANK OF PHILADELPHIA, MISSISSIPPI in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
By fiscal year: FY2020 0 · FY2021 1 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) SBA Express (1, 100%)
How this lender was matched in the SBA files: FDIC cert 12204, found through the RSSD ID on the CDFI Fund list (SBA lists “The Citizens Bank of Philadelphia”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. THE CITIZENS BANK OF PHILADELPHIA, MISSISSIPPI may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Philadelphia and Mississippi
- Citizens Holding CompanyBank holding company · Philadelphia, MSOfficial list only
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
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