Welcome to our dedicated page for Citizens Holding news (Ticker: CIZN), a resource for investors and traders seeking the latest updates and insights on Citizens Holding stock.
Citizens Holding Company (OTCQX: CIZN) is a one-bank holding company and the parent of The Citizens Bank of Philadelphia, both headquartered in Philadelphia, Mississippi. As a commercial banking organization with banking centers in fourteen counties across Mississippi, it regularly issues updates that are relevant to investors, depositors, and community stakeholders.
News about Citizens Holding Company often centers on its financial performance and strategic balance sheet decisions. Earnings releases provide detail on net income, net interest margin, loan growth, deposits, credit quality, noninterest income, and noninterest expense. Management commentary in these releases explains how loan growth, funding costs, and provisions for credit losses are affecting profitability and capital.
Another key category of news involves the company’s dividend actions. Citizens Holding Company has announced quarterly cash dividends on its common stock and has also communicated changes to its dividend level, including curtailments and a suspension of the quarterly cash dividend as part of efforts to support growth and capital strength. These announcements help shareholders understand the company’s approach to capital management and returning value.
The company also publishes statements of material changes in beneficial ownership of securities. These items disclose purchases of CIZN common stock by senior executives and directors, including the number of shares acquired, purchase prices, and total beneficial ownership after the transactions, as required by its insider trading policy. Such disclosures give insight into insider confidence and ownership trends.
By following this news feed, readers can review Citizens Holding Company’s earnings reports, dividend decisions, insider share purchases, and other corporate communications in one place. This provides a consolidated view of how the company’s commercial banking operations, capital decisions, and governance-related activities evolve over time.
Citizens Holding Company (OTCQX:CIZN) reported results for the three and nine months ended September 30, 2025. Q3 net income was $2.357M ($0.42 per share), up 27.6% linked-quarter and 641.2% year-over-year; nine-month net income was $6.057M ($1.08 per share), up 45.1% year-over-year. Net interest margin rose to 3.20% in Q3 (3.08% year-to-date), driven by loan growth; loans held for investment totaled $831.2M, +16.8% YoY. Non-performing assets increased to $7.063M (85 bps of loans), up 37.7% YoY. OBS liquidity was 14.9% and regulatory capital ratios remained well-capitalized.
Citizens Holding Company (OTCQX:CIZN) disclosed a Statement of Material Changes in Beneficial Ownership dated November 14, 2025, reporting recent insider purchases by senior executives.
Stacy Brantley, Chief Executive Officer, purchased 5,000 shares at $6.80, increasing her direct holdings to 141,330 shares. Vincent C. Dungan, director, purchased 14,815 shares at $6.75, increasing his direct holdings to 135,239 shares.
Citizens Holding Company (OTCQX:CIZN) reported third-quarter results for the period ended September 30, 2025. Net income was $2.36M or $0.42 per share, up 27.6% sequentially and 641% year‑over‑year. Net interest margin rose to 3.20% (+12 bps QoQ, +58 bps YoY). Loans held for investment totaled $831.2M (+16.8% YoY). Tangible book value per share was $7.96, up from $6.67 QoQ. Nonperforming assets increased to $7.06M (85 bps of loans), and allowance for credit losses was 1.04% of loans. Deposits were $1.182B vs $1.266B at June 30, 2025. The company highlighted continued loan-driven margin expansion, disciplined deposit pricing, and reserve strengthening.
Citizens Holding Company (OTCQX: CIZN) issued corrected 2025 third-quarter results for the three and nine months ended September 30, 2025, updating nine-month EPS to $1.08 (basic and diluted) from $0.66. Net income was $2.357M for Q3 2025 and $6.057M year-to-date. Key operating metrics: NIM 3.20% for Q3 and year-to-date NIM 3.08%, loans $831.2M (up 16.8% YoY), deposits $1,182.4M (down vs June 30, 2025), NPAs $7.063M (85 bps of loans), ACL 1.04% of loans, and OBS liquidity 14.9% as of September 30, 2025.
Management highlighted loan-driven margin expansion, reserve builds (PCL $551k Q3), improved tangible book value $7.96 per share, and expectations of slower loan growth in coming quarters.
Citizens Holding Company (OTCQX:CIZN) has announced the suspension of its quarterly cash dividend on common stock. CEO Stacy Brantley explained that the company is actively working to raise capital to support recent growth initiatives.
The company believes that these capital-raising efforts, combined with expanding profitability, will strengthen its balance sheet and enable continued profitable growth. Management has expressed commitment to resuming dividend payments in the future, maintaining their belief in a strong dividend policy.
Citizens Holding Company (OTCQX:CIZN) reported Q2 2025 net income of $1,848 ($0.33 per share), showing an 87.2% increase from Q2 2024 but a slight 0.1% decrease from Q1 2025. For H1 2025, net income was $3,700 ($0.66 per share), down 4.0% year-over-year.
The bank demonstrated strong loan growth with total loans held for investment reaching $817,992 million, up 20.4% year-over-year. Net interest margin improved to 3.08%, an 11 basis point increase from the previous quarter. Non-interest bearing deposits grew by 12.5% year-over-year to $292,339 million.
Credit quality metrics remained solid despite a slight increase in non-performing assets to 82 basis points of loans, with the allowance for credit losses maintained at 1.00% of total loans.
Citizens Holding Company (OTCQX:CIZN) has reported significant insider stock purchases by key executives. CEO Stacy Brantley acquired 11,946 shares at $8.39 per share, bringing total beneficial ownership to 134,784 shares. CFO Phillip Branch purchased 449 shares at $7.73, increasing holdings to 3,788 shares. Director Vincent Craig Dungan bought 5,041 shares at $8.11, raising his ownership to 117,233 shares. All purchases were made as direct ownership transactions.
Citizens Holding Company (OTCQX:CIZN) reported Q1 2025 financial results with net income of $1,850, or $0.33 per share, showing a 40.3% increase from Q4 2024 but a 35.5% decrease from Q1 2024. The quarterly performance highlights include:
- Total revenues increased 4.2% to $20,364 from the prior quarter
- Loans held for investment grew 4.9% to $803,886
- Net interest margin expanded to 2.97%
- Non-performing assets ratio slightly increased to 66 basis points
The company maintained strong capital positions with a Tier 1 leverage ratio of 7.22% and Total risk-based capital ratio of 11.51%. The dividend was strategically reduced to $0.02 per share to retain capital for growth initiatives. Credit quality remained solid despite a slight increase in non-performing assets, which was attributed to two large relationships rather than broader portfolio weakness.
Citizens Holding Company (OTCQX:CIZN) has declared a quarterly dividend of $0.02 per share on its common stock, payable on March 31, 2025, to shareholders of record as of March 21, 2025. The dividend represents a yield of approximately 0.80%.
CEO Stacy Brantley announced that the company has decided to reduce dividends to focus on bank growth, expand profitability, and build long-term shareholder value. The company reports strong recent earnings trends, with first quarter 2025 earnings announcement expected in the coming weeks.
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