The Citizens National Bank of Meridian
The Citizens National Bank of Meridian is an FDIC-insured commercial bank headquartered in Meridian, MS, supervised by the OCC, with $1.92B in total assets at Q3 2026, up 7.6% from Q3 2025, the 9th largest of 57 banks headquartered in Mississippi. It was established in 1888 and holds FDIC certificate 4993. Its CET1 capital ratio was 13.89% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as CNB of Meridian
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4993
- Headquarters
- Meridian, MS
- Established
- 1888
- Total assets, Q3 2026
- $1.92B
- Assets vs Q3 2025
- +7.6%
- CET1 ratio, Q3 2026
- 13.89%
- Domestic offices
- 29 branches
- Routing number
- 065300211
- Safety and soundness
- Is The Citizens National Bank of Meridian safe?
- Latest call report
- Q3 2026, FFIEC 041 · The Citizens National Bank of Meridian call report
- Holding company
- CITIZENS NATIONAL BANC CORP.
- Asset rank in state
- 9th of 57 in Mississippi
The Citizens National Bank of Meridian is one of the more profitable banks of its size. Its balance sheet stood at $1.9 billion at September 30, 2026, up 7.6% from a year earlier; it is based in Meridian, Mississippi. It returns 18.8% a year on shareholders' equity, higher than about three-quarters of the 887 banks with $1 billion to $10 billion in assets (median 12.8%).
Net income for the quarter rose 24% from a year earlier, to $9.1 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.81% of loans, down from 1.20% a year earlier.
As of September 30, 2026, The Citizens National Bank of Meridian reported a CET1 capital ratio of 13.89%, a return on assets of 1.87%, a nonperforming-loan ratio of 0.82% and a Texas ratio of 6.66%. The figures come from its call report filed with the FFIEC.
The Citizens National Bank of Meridian ranks as the 9th largest of the 57 banks based in Mississippi, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 1.9% to $1.92B, loans rose 0.8% and deposits rose 2.6%. The largest part of its loan book on September 30, 2026 was non-owner-occupied commercial real estate loans, at 29.8% of total loans, ahead of 1-4 family residential loans at 24.1%. Its 27 offices in the FDIC Summary of Deposits are in 15 cities in MS; its Meridian 6 offices book 36% of its branch deposits. Judged on its Q3 2026 call report, The Citizens National Bank of Meridian meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 512 22nd Ave, Meridian, MS 39301
- County
- Lauderdale
- Metro Area
- Meridian, MS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- 1888
- Domestic offices
- 29 branches
- Employees (FTE)
- 328
- Domestic deposits
- $1.67B
- Allowance for credit losses
- $16.4M
- Net charge-offs (YTD)
- $327K
- Average total assets
- $1.95B
- Average total loans
- $1.32B
- Average interest-bearing deposits
- $1.35B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4993
- Fed RSSD
- 69333
- Website
- http://www.yourcnb.com →
- Parent Holding Company
- CITIZENS NATIONAL BANC CORP. (RSSD 3186576)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
The Citizens National Bank of Meridian's total assets moved between a low of $1.64B (Q4 2023) and a high of $1.92B (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.92B total assets against $1.79B; $1.73B total liabilities against $1.60B.
$1.32B net loans and leases against $1.26B; $1.67B total deposits against $1.54B.
$448.5M securities against $403.4M; $58.5M cash and balances due against $32.7M.
$24.8M total interest income against $22.0M; $8.6M total interest expense against $7.3M.
$16.1M net interest income against $14.7M.
$8.3M total noninterest income against $6.8M; $15.0M total noninterest expense against $13.5M.
$300K provision for credit losses against $625K.
$9.1M net income against $7.4M.
1.87% return on assets against 1.64%; 3.53% net interest margin against 3.50%.
13.89% CET1 capital ratio against 13.68%; 11.25% tier 1 leverage ratio against 11.69%.
Inside the full The Citizens National Bank of Meridian terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
The Citizens National Bank of Meridian rankings
Its closest position to the top of a national ranking is 621 of 4,193, for total assets; its furthest is 1,117 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.43% (Q4 2024) to 1.87% (Q3 2026) and its net interest margin ran from 3.09% (Q4 2024) to 3.56% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.89% | 1.87% | 0.82% | 6.66% | 3.53% |
| Q2 2026 | 13.60% | 1.70% | 0.87% | 6.63% | 3.44% |
| Q1 2026 | 13.44% | 1.46% | 0.92% | 7.14% | 3.36% |
| Q4 2025 | 12.84% | 1.55% | 1.09% | 7.21% | 3.48% |
| Q3 2025 | 13.68% | 1.64% | 1.20% | 7.65% | 3.50% |
| Q2 2025 | 13.61% | 1.66% | 0.96% | 6.28% | 3.56% |
| Q1 2025 | 13.93% | 1.46% | 0.57% | 4.52% | 3.29% |
| Q4 2024 | 13.62% | 1.43% | 0.49% | 4.01% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens National Bank of Meridian | Meridian , MS | 39301 | $391.9M |
| Laurel Branch | Laurel , MS | 39440 | $106.3M |
| West Hattiesburg Banking Center | Hattiesburg , MS | 39402 | $88.3M |
| North Meridian Banking Centre Branch | Meridian , MS | 39305 | $87.2M |
| Madison Banking Centre | Madison , MS | 39110 | $85.2M |
| Philadelphia Branch | Philadelphia , MS | 39350 | $76.9M |
| Carthage Branch | Carthage , MS | 39051 | $73.6M |
| Macon Branch | Macon , MS | 39341 | $73.3M |
| Kosciusko Branch | Kosciusko , MS | 39090 | $66.7M |
| Brandon Banking Centre Branch | Brandon , MS | 39042 | $61.2M |
| Columbus Branch | Columbus , MS | 39705 | $55.0M |
| Castlewoods Banking Centre Branch | Brandon , MS | 39047 | $52.3M |
| West Meridian Banking Centre Branch | Meridian , MS | 39307 | $49.4M |
| Southaven Banking Centre Branch | Southaven , MS | 38671 | $42.5M |
| Bonita Lakes Mall Branch | Meridian , MS | 39301 | $42.2M |
| East Columbus Banking Centre Branch | Columbus , MS | 39702 | $41.8M |
| Olive Branch | Olive Branch , MS | 38654 | $40.7M |
| Kosciusko Hwy 12 Branch | Kosciusko , MS | 39090 | $40.3M |
| Hattiesburg Branch | Hattiesburg , MS | 39402 | $34.6M |
| Olive Branch Craft Road Banking Centre | Olive Branch , MS | 38654 | $26.9M |
| South Hattiesburg Banking Centre Branch | Hattiesburg , MS | 39402 | $24.6M |
| Quitman Branch | Quitman , MS | 39355 | $19.6M |
| Pear Orchard Banking Centre Branch | Ridgeland , MS | 39157 | $19.0M |
| Waynesboro Branch | Waynesboro , MS | 39367 | $16.1M |
| Broadmoor Express Bank | Meridian , MS | 39305 | $7.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 27, 1991 | Structure Change | Acquired Charter Savings Bank, Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 1, 1991 | Structure Change | Acquired Southeastern Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1987 | Structure Change | Acquired The Stonewall Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 1973 | Structure Change | Acquired Bank of Macon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 26, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.0% of deposits in MS, rank 10 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 487 applications, 353 loans originated, $82.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 37 loans, $9.0M approved, $243K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens National Bank of Meridian
What are The Citizens National Bank of Meridian's total assets?
As of the Q3 2026 filing, The Citizens National Bank of Meridian reported total assets of $1.92 billion in its FFIEC call report.
Where is The Citizens National Bank of Meridian headquartered?
It is headquartered in Meridian, MS, United States.
When was The Citizens National Bank of Meridian founded?
It was established in 1888, per the FDIC institution directory.
Is The Citizens National Bank of Meridian FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank of Meridian?
The Citizens National Bank of Meridian's primary federal regulator is the OCC.
What is The Citizens National Bank of Meridian's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.89% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank of Meridian operate?
It operates 29 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank of Meridian's Texas Ratio?
Its Texas Ratio is 6.66% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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