The Citizens National Bank of Meridian: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 2.7% to $133.0M. Within Mississippi, The Citizens National Bank of Meridian is 13th of 20 on CET1 ratio, 13.60% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; The Citizens National Bank of Meridian reported 13.60% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.60% |
| Tier 1 risk-based capital ratio | 13.60% |
| Total risk-based capital ratio | 14.63% |
| Tier 1 leverage ratio | 11.28% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $214.1M |
| Tier 1 capital | $214.1M |
| Total risk-based capital | $230.5M |
| Total equity capital | $194.3M |
| Risk-weighted assets | $1.57B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.29% |
| Tangible equity to tangible assets | 10.29% |
| Equity capital to average assets | 10.24% |
| Internal capital growth rate | 7.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $79.7M |
| Retained earnings | $133.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.50% | 14.50% | 15.59% | 11.37% | $1.34B |
| Q4 2023 | 14.09% | 14.09% | 15.19% | 11.28% | $1.36B |
| Q1 2024 | 14.40% | 14.40% | 15.42% | 11.44% | $1.36B |
| Q2 2024 | 13.96% | 13.96% | 14.94% | 11.22% | $1.41B |
| Q3 2024 | 14.02% | 14.02% | 14.99% | 11.39% | $1.43B |
| Q4 2024 | 13.62% | 13.62% | 14.58% | 11.23% | $1.45B |
| Q1 2025 | 13.93% | 13.93% | 14.89% | 11.55% | $1.46B |
| Q2 2025 | 13.61% | 13.61% | 14.60% | 11.41% | $1.52B |
| Q3 2025 | 13.68% | 13.68% | 14.69% | 11.69% | $1.54B |
| Q4 2025 | 12.84% | 12.84% | 13.84% | 11.29% | $1.59B |
| Q1 2026 | 13.44% | 13.44% | 14.47% | 11.45% | $1.57B |
| Q2 2026 | 13.60% | 13.60% | 14.63% | 11.28% | $1.57B |
The Citizens National Bank of Meridian regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Meridian, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens National Bank of Meridian profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4993) · FFIEC NIC profile (RSSD 69333)