Citizens Holding Company Reports 2025 Financial Highlights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
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Source: Newsfilter
- Net Income Growth: Citizens Holding Company reported a net income of $2,079,000 for Q4 2025, translating to $0.37 per share, reflecting an 11.8% decrease from Q3 2025 but a robust 57.8% increase year-over-year, indicating resilience amid economic uncertainty.
- Increase in Loans and Deposits: As of December 31, 2025, total loans reached $841,136,000, a 1.3% increase from Q3 2025, while total deposits surged by 13.08% to $1,337,282,000, showcasing the company's success in core deposit growth.
- Improvement in Net Interest Margin: The net interest margin rose to 3.25% in Q4 2025, up 5 basis points from the previous quarter, primarily driven by solid loan growth and effective management of funding costs, suggesting enhanced profitability prospects.
- Stable Credit Quality: As of December 31, 2025, the ratio of non-performing assets to loans decreased to 66 basis points from 85 basis points in the prior quarter, demonstrating the company's effectiveness in risk management and credit quality maintenance.
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About the author

Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.





