---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-017578"
form_type: "8-K"
ticker: "CIZN"
cik: "0001075706"
company_name: "CITIZENS HOLDING CO /MS/"
filed_at: "2022-01-26T23:59:59+00:00"
generated_at: "2026-06-27T15:19:07.156265+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Citizens Holding Q4 net income $1.81M ($0.32/share), down 18.7% YoY; full-year EPS $1.34, up 8.1%

## Summary
- Full-year net income $7.49M ($1.34/share) vs. $6.93M ($1.24) in 2020, up 8.12%.
- Q4 total revenue $12.53M, down 4.52% YoY; net interest margin improved to 2.85% from 2.64%.
- Non-performing assets fell 44.6% YoY to $6.46M; allowance to loans 0.79%.
- Total deposits rose 1.53% to $1.11B; cost of funds declined 26 bps for the year to 0.50%.
- Dividends unchanged at $0.96/share for 2021.

## SEC filing metadata
- accession: 0001193125-22-017578
- form_type: 8-K
- ticker: CIZN
- cik: 0001075706
- company_name: CITIZENS HOLDING CO /MS/
- filed_at: 2022-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1075706/000119312522017578/0001193125-22-017578-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1075706/000119312522017578/d296118d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-017578
- JSON: https://secwatch.observer/filing/0001193125-22-017578.json
- Plain text: https://secwatch.observer/filing/0001193125-22-017578.txt

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