Citizens Holding Company is the bank holding company for The Citizens Bank of Philadelphia, providing a range of banking products and services. Its deposit offerings include demand, insured cash sweep, time, and non-interest-bearing accounts, along with savings, checking, NOW, and money market accounts, health savings and individual retirement accounts, and certificates of deposit. Lending covers real estate, farmland, 1-4 family mortgage, commercial real estate, and business loans, plus consumer and personal loans. Additional services include cash management, merchant services, credit and debit cards, online and mobile banking, and title insurance. Founded in 1908, the company is headquartered in Philadelphia, Mississippi.