Citizens Holding Company is a one-bank holding company and the parent of The Citizens Bank of Philadelphia, both headquartered in Philadelphia, Mississippi. The Citizens Bank was founded in 1908 and today operates 27 full service banking locations in 15 counties across Mississippi. Citizens Holding Company is a one-bank holding company and the parent of The Citizens Bank of Philadelphia, both headquartered in Philadelphia, Mississippi. The Citizens Bank was founded in 1908 and today operates 27 full service banking locations in 15 counties across Mississippi. In addition to full-service commercial banking, Citizens offers mortgage lending and title insurance services through its subsidiary, Title Services, LLC, and a full range of digital banking services including online banking, mobile banking, bill pay and cash management services for businesses.