---
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"
generated_at: "2026-06-09T01:57:57.877915+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens Holding Q3 net income $0.22/sh down 53% YoY; NIM 2.40%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1075706/000143774923029569/0001437749-23-029569-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1075706/000143774923029569/cizn20231031_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-029569
- JSON: https://secwatch.observer/filing/0001437749-23-029569.json
- Plain text: https://secwatch.observer/filing/0001437749-23-029569.txt

## Key facts
- Earnings Releases
  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.
  - Period: three and nine months ended September 30, 2023
  - Revenue: $16,008
  - Net income: $1,207
  - EPS: $0.22 per share-basic and diluted
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1075706/000143774923029569/0001437749-23-029569-index.htm

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