The Citizens National Bank of Meridian: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens National Bank of Meridian of Meridian, MS against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.70% | 1.46% | +0.24% | 77th top |
| ROAE | 16.72% | 12.71% | +4.01% | 80th top |
| Net Interest Margin | 3.44% | 3.85% | -0.41% | 33rd below |
| Efficiency Ratio | 62.83% | 57.40% | +5.43% | 36th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.76% | 1.88% | -0.12% | 53rd above |
| Yield on Earning Assets | 5.24% | 5.72% | -0.48% | 31st below |
| Cost of Funds | 2.06% | 2.02% | +0.04% | 47th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.08% | 3.18% | -0.10% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.90% | 1.00% | -0.10% | 36th below |
| NPA / Total Assets | 0.78% | 0.76% | +0.02% | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 49th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.31% | -0.07% | 63rd above |
| ACL / NPLs (Coverage) | 137.11% | 543.66% | -406.55% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.99% | 7.39% | -0.40% | 35th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 600.00% | 618.62% | -18.62% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.60% | 17.34% | -3.74% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.60% | 17.37% | -3.77% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.63% | 18.42% | -3.79% | 50th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.28% | 11.44% | -0.16% | 66th above |
| Equity / Assets | 10.29% | 11.34% | -1.05% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.29% | 10.50% | -0.21% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.05% | 86.96% | -5.91% | 68th above |
| Core Deposit Ratio | 88.94% | 85.55% | +3.39% | 53rd above |
| Uninsured Deposit Ratio | 41.17% | 33.12% | +8.05% | 23rd bottom |
| Wholesale Funding Ratio | 2.72% | 5.71% | -2.99% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.17% | 9.68% | -2.51% | 63rd above |
| Loan Growth (Y/Y) | 5.32% | 8.06% | -2.74% | 48th below |
| Deposit Growth (Y/Y) | 8.12% | 7.87% | +0.25% | 68th above |
See The Citizens National Bank of Meridian's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens National Bank of Meridian, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens National Bank of Meridian profile, how to read a UBPR, or how this data updates.