Compared with Mississippi
0 of 3
compared fees are above the median.
3 below, 0 about the same.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
96th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Mississippi median
of 3 compared; 3 below, 0 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for The Citizens Bank of Philadelphia, Mississippi at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Mississippi median | Published fees above the Mississippi median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Citizens Bank of Philadelphia, Mississippi's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 7.5% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (96th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.2M in Q2 2026, 26% above the same quarter a year earlier ($976K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
0 of 3 compared published fees sit above the Mississippi median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Mississippi medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices
Minimum Balance
CASH STASH SAVINGS
Early Account Closure
Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 14% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 7.5%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.2M
The Citizens Bank of Philadelphia, MississippiMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $12; we compare the midpoint.
The Citizens Bank of Philadelphia, Mississippi · $1.6B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Citizens Bank of Philadelphia, Mississippi(this institution) | Philadelphia, MS | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 1st Summit Bank | Johnstown, PA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alma Bank | Astoria, NY | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| BankSouth | Greensboro, GA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BOM Bank | Natchitoches, LA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chambers Bank | Danville, AR | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| CorTrust Bank National Association | Mitchell, SD | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dieterich Bank | Effingham, IL | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank Richmond | Richmond, IN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank of Pulaski | Pulaski, TN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Mendota, IL | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grasshopper Bank, N.A. | New York, NY | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Greenfield Savings Bank | Greenfield, MA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Finance Bank | Miami, FL | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Landmark National Bank | Manhattan, KS | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Main Street Bank Corp. | Wooster, OH | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Newburyport Five Cents Savings Bank | Newburyport, MA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northfield Savings Bank | Northfield, VT | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific National Bank | Miami, FL | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples State Bank | Wausau, WI | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| PrimeSouth Bank | Blackshear, GA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Providence Bank | Rocky Mount, NC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Moody National Bank | Galveston, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Nodaway Valley Bank | Maryville, MO | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transportation Alliance Bank, Inc. d/b/a TAB Bank | Ogden, UT | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union Bank | Morrisville, VT | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6, the middle of its six prices, against a peer median of $10 among 19 publishing peers.
Its six checking prices are $2, $2, $3, $9, $11 and $12.
$6 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for The Citizens Bank of Philadelphia, Mississippi (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.2M | +$34K | +2.8% |
| Q1 2026 | $1.2M | −$14K | −1.2% |
| Q4 2025 | $1.2M | −$221K | −15.5% |
| Q3 2025 | $1.4M | +$452K | +46.3% |
| Q2 2025 | $976K | −$38K | −3.7% |
| Q1 2025 | $1.0M | −$9K | −0.9% |
| Q4 2024 | $1.0M | −$17K | −1.6% |
| Q3 2024 | $1.0M | +$96K | +10.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, The Citizens Bank of Philadelphia, Mississippi left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Citizens Bank of Philadelphia, Mississippi by share.
Amounts from The Citizens Bank of Philadelphia, Mississippi’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly service fee can be reduced | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| NOW Account Checking Monthly service charge | $11Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge balance requirement fee | $9Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Simply Basic Checking Monthly service charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Square ONE Checking Monthly service charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Balance requirement fee (balance drops below $25.00) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closing fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | one time | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Citizens Bank of Philadelphia, Mississippi operates, and what regulators and customers have on file.
Branch footprint
26 offices in 1 state, $1.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 16 | $1.1B |
| 5 | $82.5M | |
| 4 | $67.6M | |
| 1 | $18.9M |
Gulfport-Biloxi, MS
1% of bank deposits, #11 of 16, down 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Hancock Whitney Bank | 41.6% |
| Renasant Bank | 11.6% |
| The Huntington National Bank | 9.8% |
| Community Bank of Mississippi | 7.3% |
| The Peoples Bank, Biloxi, Mississippi | 7.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Gulfport-Biloxi, MS, The Citizens Bank of Philadelphia, Mississippi holds 1% of bank deposits, #11 of 16, with 5 offices.
149 offices of 29 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 16 institutions shown. $8.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2014 to 2026
June 2026: 1% share, 5 offices, #11 of 16
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2014 to 2026.
Credit unions, reported separately
47 offices of 14 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.