---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-220271"
form_type: "8-K"
ticker: "CIZN"
cik: "0001075706"
company_name: "CITIZENS HOLDING CO /MS/"
filed_at: "2021-07-21T23:59:59+00:00"
generated_at: "2026-06-30T03:37:07.583325+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens Holding Q2 net income $1.9M ($0.34/sh), up 30.4% YoY; NIM improves to 2.57%

## Summary
- Net income $1,907K ($0.34/sh) vs $1,462K ($0.26/sh) in Q2 2020; 6-month net income $3,804K ($0.68/sh), up 45%.
- Obtained $20M line of credit, injected $18M into bank; Tier 1 Leverage Ratio rose from 6.76% to 8.25%.
- NIM expanded 25 bps to 2.57% from 2.32% prior quarter; cost of funds fell 24 bps YoY to 50 bps.
- Provision for loan losses dropped to $319K YTD from $936K YoY; non-performing assets down 40.6% YoY.
- Dividends unchanged at $0.48 per share for six-month period; noninterest expense up 6.33% YTD.

## SEC filing metadata
- accession: 0001193125-21-220271
- form_type: 8-K
- ticker: CIZN
- cik: 0001075706
- company_name: CITIZENS HOLDING CO /MS/
- filed_at: 2021-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1075706/000119312521220271/0001193125-21-220271-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1075706/000119312521220271/d160176d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-220271
- JSON: https://secwatch.observer/filing/0001193125-21-220271.json
- Plain text: https://secwatch.observer/filing/0001193125-21-220271.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.