The Citizens National Bank of Meridian: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.50 percentage points higher than in Q1 2026, at 137.11%. The Citizens National Bank of Meridian ranks 11th of 57 Mississippi banks on return on assets, in the upper half at 1.70% (Q2 2026). The Citizens National Bank of Meridian reported 1.70% on return on assets for Q2 2026, 0.42 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.60% |
| Tier 1 risk-based capital ratio | 13.60% |
| Total risk-based capital ratio | 14.63% |
| Tier 1 leverage ratio | 11.28% |
| Equity capital to assets | 10.29% |
| Tangible equity to tangible assets | 10.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.90% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 6.99% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 137.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.70% |
| Return on equity | 16.72% |
| Net interest margin | 3.44% |
| Efficiency ratio | 62.83% |
| Yield on earning assets | 5.24% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.05% |
| Core deposits to total deposits | 88.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.39% |
| Securities to assets | 21.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.50% | 14.50% | 15.59% | 11.37% | 1.96% |
| Q4 2023 | 14.09% | 14.09% | 15.19% | 11.28% | 1.46% |
| Q1 2024 | 14.40% | 14.40% | 15.42% | 11.44% | 1.16% |
| Q2 2024 | 13.96% | 13.96% | 14.94% | 11.22% | 1.35% |
| Q3 2024 | 14.02% | 14.02% | 14.99% | 11.39% | 1.39% |
| Q4 2024 | 13.62% | 13.62% | 14.58% | 11.23% | 1.43% |
| Q1 2025 | 13.93% | 13.93% | 14.89% | 11.55% | 1.46% |
| Q2 2025 | 13.61% | 13.61% | 14.60% | 11.41% | 1.66% |
| Q3 2025 | 13.68% | 13.68% | 14.69% | 11.69% | 1.64% |
| Q4 2025 | 12.84% | 12.84% | 13.84% | 11.29% | 1.55% |
| Q1 2026 | 13.44% | 13.44% | 14.47% | 11.45% | 1.46% |
| Q2 2026 | 13.60% | 13.60% | 14.63% | 11.28% | 1.70% |
The Citizens National Bank of Meridian vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Meridian, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)