Citizens Holding Company

The Company is a one-bank holding company incorporated in Mississippi on February 16, 1982, and is the sole shareholder of The Citizens Bank of Philadelphia, Mississippi. The Bank, originally opened on February 8, 1908, as The First National Bank of Philadelphia, changed its name in 1917 upon obtaining a state charter. As of December 31, 2023, the Bank was the largest bank headquartered in Neshoba County, Mississippi, with total assets of $1,405,202 thousand and total deposits of $1,170,311 thousand. The Company's operations are entirely through the Bank, which constitutes its only reportable segment. For the Company as of December 31, 2022, this segment generated revenues of $58,032 thousand, an operating profit of $1,780 thousand, and total assets of $1,404,597 thousand. Through the Bank, the Company offers a variety of commercial and personal banking services. These include accepting demand, savings, and time deposit accounts, providing secured and unsecured loans, issuing letters of credit, originating mortgage loans, and offering personal and corporate trust services. Additionally, the Company provides credit life insurance and title insurance to its loan customers through third-party relationships. The principal executive offices are located at 521 Main Street, Philadelphia, Mississippi 39350.