The Citizens National Bank of Meridian: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 23.5% in Q2 2026, from $103.4M to $79.1M. It was the largest change from Q1 2026 among the key lines here. The Citizens National Bank of Meridian ranks 18th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 81.05% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Citizens National Bank of Meridian sits 7.15 points lower, at 81.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $79.1M |
| Cash and noninterest-bearing balances to assets | 4.12% |
| Cash and securities | $482.3M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $51.5M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.05% |
| Net loans and leases to deposits | 80.05% |
| Loans and leases to core deposits | 91.14% |
| Core deposits to total deposits | 88.94% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 75.26% | 93.73% | $45.3M | $0 |
| Q4 2023 | 80.59% | 94.80% | $82.7M | $0 |
| Q1 2024 | 78.85% | 94.13% | $100.0M | $0 |
| Q2 2024 | 81.56% | 92.58% | $110.6M | $0 |
| Q3 2024 | 83.00% | 92.31% | $101.8M | $0 |
| Q4 2024 | 81.13% | 91.04% | $33.2M | $0 |
| Q1 2025 | 77.01% | 90.92% | $25.7M | $0 |
| Q2 2025 | 83.21% | 90.08% | $59.8M | $0 |
| Q3 2025 | 82.91% | 89.04% | $48.5M | $0 |
| Q4 2025 | 86.00% | 88.72% | $80.0M | $0 |
| Q1 2026 | 79.88% | 89.09% | $45.8M | $0 |
| Q2 2026 | 81.05% | 88.94% | $51.5M | $0 |
The Citizens National Bank of Meridian liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Meridian, freeSource: Call Report Schedules RC and RC-M, 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)