The Citizens National Bank of Meridian: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 7.2% from Q1 2026 to Q2 2026, ending at $8.0M against $7.5M. It was the largest change among the key lines on this page. Within Mississippi, The Citizens National Bank of Meridian is 45th of 57 on net interest margin, 3.44% as of Q2 2026, below the middle of the field. The Citizens National Bank of Meridian reported 3.44% on net interest margin for Q2 2026, 0.27 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.14% |
| Yield on securities | 2.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 2.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.44% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.2M |
| Total interest expense | $8.0M |
| Interest expense on deposits | $7.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.45% | 1.64% | 3.01% | 5.22% | 2.56% |
| Q4 2023 | 4.58% | 1.73% | 3.09% | 5.38% | 2.49% |
| Q1 2024 | 4.69% | 1.93% | 3.01% | 5.60% | 2.44% |
| Q2 2024 | 4.89% | 2.10% | 3.06% | 5.74% | 2.45% |
| Q3 2024 | 5.10% | 2.25% | 3.15% | 6.04% | 2.40% |
| Q4 2024 | 5.08% | 2.33% | 3.09% | 6.02% | 2.35% |
| Q1 2025 | 5.01% | 1.98% | 3.29% | 5.92% | 2.36% |
| Q2 2025 | 5.26% | 1.96% | 3.56% | 6.16% | 2.50% |
| Q3 2025 | 5.24% | 2.01% | 3.50% | 6.15% | 2.41% |
| Q4 2025 | 5.25% | 2.04% | 3.48% | 6.16% | 2.36% |
| Q1 2026 | 5.10% | 1.98% | 3.36% | 6.03% | 2.32% |
| Q2 2026 | 5.24% | 2.06% | 3.44% | 6.14% | 2.42% |
The Citizens National Bank of Meridian yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Meridian, freeSource: Call Report Schedules RI and RC-K, 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)