---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-268362"
form_type: "8-K"
ticker: "CIZN"
cik: "0001075706"
company_name: "CITIZENS HOLDING CO /MS/"
filed_at: "2022-10-25T23:59:59+00:00"
generated_at: "2026-06-23T01:09:29.118726+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens Holding Q3 net income $2.58M, EPS $0.46, up 37% YoY

## Summary
- Net income $2,580k ($0.46 diluted EPS) vs $1,880k ($0.34) in Q3 2021, increase of 37.2%.
- Total revenues $12,999k, up 5.5% from Q2 2022; net interest margin expanded to 2.90% from 2.74% a year ago.
- Non-performing assets fell to $4,429k (77 bps of loans) from $7,071k in Q3 2021, down 37.4%.
- Dividends held at $0.72 per share for the nine months; net recoveries of $459k year-to-date.
- Provision release of $53k driven by lower loan balances; allowance for loan losses 0.88% of loans.

## SEC filing metadata
- accession: 0001193125-22-268362
- form_type: 8-K
- ticker: CIZN
- cik: 0001075706
- company_name: CITIZENS HOLDING CO /MS/
- filed_at: 2022-10-25T23:59:59+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/1075706/000119312522268362/0001193125-22-268362-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1075706/000119312522268362/d252676d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-268362
- JSON: https://secwatch.observer/filing/0001193125-22-268362.json
- Plain text: https://secwatch.observer/filing/0001193125-22-268362.txt

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