The Citizens National Bank of Meridian: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 108.3% in Q2 2026, from $1.3M to $2.8M. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.32B |
| Net loans and leases | $1.31B |
| Loans held for sale | $2.8M |
| Loans to total assets | 70.02% |
| Loan-to-deposit ratio | 81.05% |
| Net loans to equity capital | 6.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.09% |
| Multifamily (5+ residential) | 4.06% |
| Commercial and industrial | 13.86% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 0.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 248.15% |
| Construction concentration (Tier 1 capital + allowance) | 57.77% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.14% |
| Interest income on loans | $20.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.10B | $1.46B | 44.31% | 12.42% | 1.44% |
| Q4 2023 | $1.12B | $1.38B | 44.68% | 14.74% | 1.36% |
| Q1 2024 | $1.13B | $1.44B | 44.22% | 15.65% | 1.29% |
| Q2 2024 | $1.18B | $1.45B | 44.10% | 15.55% | 1.23% |
| Q3 2024 | $1.20B | $1.44B | 43.36% | 14.19% | 1.18% |
| Q4 2024 | $1.21B | $1.49B | 43.47% | 13.90% | 1.12% |
| Q1 2025 | $1.22B | $1.58B | 42.83% | 14.18% | 1.04% |
| Q2 2025 | $1.26B | $1.51B | 44.12% | 14.18% | 1.00% |
| Q3 2025 | $1.28B | $1.54B | 44.00% | 12.81% | 0.98% |
| Q4 2025 | $1.29B | $1.50B | 43.86% | 12.78% | 0.92% |
| Q1 2026 | $1.30B | $1.63B | 44.02% | 13.53% | 0.87% |
| Q2 2026 | $1.32B | $1.63B | 44.09% | 13.86% | 0.84% |
The Citizens National Bank of Meridian loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Meridian, freeSource: Call Report Schedule RC-C, 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)