---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-118707"
form_type: "8-K"
ticker: "CIZN"
cik: "0001075706"
company_name: "CITIZENS HOLDING CO /MS/"
filed_at: "2022-04-26T23:59:59+00:00"
generated_at: "2026-06-26T04:29:48.123082+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Citizens Holding Q1 net income $2.0M, $0.36 EPS, up 7.3% YoY; revenue down 5.9%

## Summary
- Net income $2,036k ($0.36/share) vs $1,897k ($0.34) in Q1 2021, up 7.3%.
- Total revenue $11,587k, down 5.9% YoY; net interest income $8,287k, up 8.6% YoY.
- Loans held for investment $583.2M, up 2% from Dec 2021; non-performing assets down 22.8% to $4,982k.
- Dividend paid $0.24/share for Q1, unchanged from prior year.
- NIM improved to 2.69% from 2.32% a year ago; management expects benefit from rising rates.

## SEC filing metadata
- accession: 0001193125-22-118707
- form_type: 8-K
- ticker: CIZN
- cik: 0001075706
- company_name: CITIZENS HOLDING CO /MS/
- filed_at: 2022-04-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1075706/000119312522118707/0001193125-22-118707-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1075706/000119312522118707/d301965d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-118707
- JSON: https://secwatch.observer/filing/0001193125-22-118707.json
- Plain text: https://secwatch.observer/filing/0001193125-22-118707.txt

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