Citizens Holding Company (CIZN)

Citizens Holding Company Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	58.5	56.4	46.46	32.78	27.2	31.21
Interest Income on Investments	13.24	15.14	19.98	16.51	12.5	7.3
Total Interest Income	71.74	71.53	66.45	49.28	39.7	38.51
Interest Paid on Deposits	21.08	19.24	20.14	12.25	2.54	4.26
Interest Paid on Borrowings	5.39	9.15	11.69	7.15	2.25	0.76
Total Interest Expense	26.47	28.39	31.83	19.41	4.79	5.02
Net Interest Income	45.27	43.15	34.62	29.88	34.91	33.49
Net Interest Income Growth	15.99%	24.62%	15.88%	-14.41%	4.23%	1.09%
Gain (Loss) on Sale of Assets	1.51	-	4.54	0.28	-	-
Gain (Loss) on Sale of Investments	-0.05	-0.01	-2.56	-1.99	-	1.38
Other Non-Interest Income	6.95	6.73	6.1	6.67	6.8	6.95
Total Non-Interest Income	13.1	11.11	12.04	8.75	10.69	11.83
Non-Interest Income Growth	42.73%	-7.65%	37.57%	-18.19%	-9.62%	13.11%
Revenues Before Loan Losses	58.36	54.26	46.66	38.63	45.6	45.33
Provision for Loan Losses	2.69	2.26	0.83	0.67	0.12	1.41
Revenue	55.67	52	45.82	37.96	45.48	43.92
Revenue Growth	19.14%	13.48%	20.73%	-16.54%	3.56%	4.29%
Salaries and Employee Benefits	22.57	21.69	19.88	18.45	17.49	18.3
Selling, General & Administrative	10.15	9.81	7.73	8.54	8.18	7.87
Other Non-Interest Expense	11.92	10.96	11.31	9.19	8.46	8.27
Total Non-Interest Expense	44.64	42.45	38.92	36.18	34.17	35.35
EBT Excluding Unusual Items	11.03	9.55	6.91	1.78	11.31	8.57
Pretax Income	11.03	9.55	6.91	1.78	11.5	8.93
Income Tax Expense	1.5	1.4	1.42	-0.07	1.88	1.43
Net Income	9.53	8.15	5.49	1.85	9.62	7.49
Net Income to Common	9.53	8.15	5.49	1.85	9.62	7.49
Net Income Growth	78.61%	48.41%	196.12%	-80.73%	28.37%	8.12%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change	1.38%	0.89%	0.17%	0.15%	0.15%	0.08%
EPS (Basic)	1.68	1.44	0.98	0.33	1.72	1.34
EPS (Diluted)	1.67	1.44	0.98	0.33	1.72	1.34
EPS Growth	75.71%	47.14%	196.56%	-80.81%	28.36%	8.06%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	-	0.040	0.640	0.720	0.960	0.960
Dividend Growth	-	-93.75%	-11.11%	-25.00%	0%	0%
Effective Tax Rate	13.63%	14.64%	20.54%	-	16.36%	16.03%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 20, 2026

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