{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-029569","form_type":"8-K","ticker":"CIZN","cik":"0001075706","company_name":"CITIZENS HOLDING CO /MS/","filed_at":"2023-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.138722+00:00","generated_at":"2026-06-09T01:57:57.877915+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Holding Q3 net income $0.22/sh down 53% YoY; NIM 2.40%","bullets":["Q3 net income $1.2M ($0.22/sh), up 302% linked quarter but down 53.2% YoY from $2.6M ($0.46/sh).","Nine-month net income $2.6M ($0.47/sh), down 63% from $7.2M ($1.28/sh) in 2022.","Net interest margin compressed to 2.40% from 2.55% in Q2 and 2.90% in Q3 2022.","Loans grew 2.2% to $587.2M; deposits up 8.3% to $1.195B; NPAs at 0.68%.","Quarterly dividend $0.16/share; nine-month dividends $0.56 vs $0.72 in 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-029569","json":"https://secwatch.observer/filing/0001437749-23-029569.json","markdown":"https://secwatch.observer/filing/0001437749-23-029569.md","text":"https://secwatch.observer/filing/0001437749-23-029569.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1075706/000143774923029569/0001437749-23-029569-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1075706/000143774923029569/cizn20231031_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T01:57:57.877915+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"8073c799582968c0fafa0a84fd93544c03f3646e","claim":"CITIZENS HOLDING CO /MS/ reported three and nine months ended September 30, 2023 results: revenue $16,008, net income $1,207, EPS $0.22 per share-basic and diluted.","evidence_excerpt":"and diluted for the same period in 2022. Third Quarter Highlights ● Total revenues, or interest and non-interest income, for the three months ended September 30, 2023 totaled $16,008, an increase of $2,586, or 19.27% from the prior quarter. The increase in total revenue is primarily attributed to an increase of $1,660, or 14.88% in interest income attributed to","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1075706/000143774923029569/0001437749-23-029569-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine months ended September 30, 2023"},{"label":"Revenue","value":"$16,008"},{"label":"Net income","value":"$1,207"},{"label":"EPS","value":"$0.22 per share-basic and diluted"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}