Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides commercial and personal banking products and services in Mississippi. Its deposit products primarily include demand deposits, and savings and time deposit accounts. The company's loan portfolio comprises secured and unsecured loans; letters of credit; mortgage loans; installment loans; credit card loans; real estate loans, including, single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial and agricultural production loans; and consumer loans. It also provides personal and corporate trust services; credit life and title insurance; and discount brokerage services, as well as VISA Checkcard program for phone teller and Internet banking services. The company operates from its main office in downtown Philadelphia; and from 21 additional branches in Neshoba, Newton, Leake, Scott, Attala, Lauderdale, Oktibbeha, Rankin, Winston, Kemper, Forrest, and Lamar counties, as well as a loan production office in Biloxi, Mississippi. Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, Mississippi.