---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-309360"
form_type: "8-K"
ticker: "CIZN"
cik: "0001075706"
company_name: "CITIZENS HOLDING CO /MS/"
filed_at: "2021-10-27T23:59:59+00:00"
generated_at: "2026-06-28T17:15:51.650567+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Citizens Holding Q3 2021 net income $0.34/share, down 9.75% YoY; NIM improves to 2.74%

## Summary
- Net income for Q3 2021 was $1.88M ($0.34 per share), down from $2.08M ($0.37) in Q3 2020.
- Nine-month net income increased 20.8% to $5.68M ($1.02 per share) vs $4.70M ($0.84) prior year.
- Net interest margin improved to 2.74% for Q3, up 17 bps from linked quarter; provision for loan losses was $968K mainly due to one relationship.
- Non-performing assets decreased 20.1% sequentially to $7.07M, down 49.75% year-over-year.
- Noninterest income rose 24.9% in Q3 2021 vs Q3 2020, driven by mortgage origination and investment security gains.

## SEC filing metadata
- accession: 0001193125-21-309360
- form_type: 8-K
- ticker: CIZN
- cik: 0001075706
- company_name: CITIZENS HOLDING CO /MS/
- filed_at: 2021-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1075706/000119312521309360/0001193125-21-309360-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1075706/000119312521309360/d244718d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-309360
- JSON: https://secwatch.observer/filing/0001193125-21-309360.json
- Plain text: https://secwatch.observer/filing/0001193125-21-309360.txt

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