CITIZENS NATIONAL BANK OF MERIDIAN, THE

MERIDIAN, MS | Large | Est. Jan. 1, 1888, midnight | FDIC #4993 | RSSD #69333 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF MERIDIAN, THE is aln large FDIC-insured commercial bank headquartered in MERIDIAN, MS, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.5B. Profitability stands at 1.57% ROA and 14.99% ROE, with a net interest margin of 3.56%. The bank's CET1 capital ratio is 12.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.08% and a Texas Ratio of 7.16%. FDIC Certificate #4993.

Assets

$1.8B

Deposits

$1.5B

Loans

$1.3B

Equity

$185M

Profitability

Return on Assets (ROA) 1.57%
Return on Equity (ROE) 14.99%
Net Interest Margin (NIM) 3.56%
Yield on Assets 5.38%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 1.08%
Net Charge-Off Ratio 0.05%
Texas Ratio 7.16%
NPA Ratio 0.80%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 12.84%
Tier 1 Capital 12.84%
Total Capital Ratio 13.84%
Leverage Ratio 11.29%
Loan-to-Deposit 86.00%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required