The Citizens National Bank of Meridian: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Citizens National Bank of Meridian is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $1.9B in total assets and $1.6B in deposits. The bank posts a strong 1.70% ROA and 16.72% ROE. Regulatory capital is solid, 13.60% CET1 and 14.63% total risk-based capital ratio. Asset quality is solid, 0.90% nonperforming loans and a 6.99% Texas Ratio. Its footprint covers 29 branches concentrated in Mississippi.
As of June 30, 2026, The Citizens National Bank of Meridian reported a CET1 capital ratio of 13.60%, a return on assets of 1.70%, a nonperforming-loan ratio of 0.90%, a Texas ratio of 6.99%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 512 22nd Ave, Meridian, MS 39301
- County
- Lauderdale
- Metro Area
- Meridian, MS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1888
- Offices
- 29 domestic
- Employees (FTE)
- 324
- Domestic deposits
- $1.63B
- Allowance for credit losses
- $16.3M
- Net charge-offs (YTD)
- $100K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4993
- Fed RSSD
- 69333
- Website
- http://www.yourcnb.com →
- Parent Holding Company
- CITIZENS NATIONAL BANC CORP. (RSSD 3186576)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Citizens National Bank of Meridian terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Citizens National Bank of Meridian, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Citizens National Bank of Meridian rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.60% | 1.70% | 0.90% | 6.99% | 3.44% |
| Q1 2026 | 13.44% | 1.46% | 0.96% | 7.39% | 3.36% |
| Q4 2025 | 12.84% | 1.55% | 1.12% | 7.47% | 3.48% |
| Q3 2025 | 13.68% | 1.64% | 1.21% | 7.91% | 3.50% |
| Q2 2025 | 13.61% | 1.66% | 0.98% | 6.55% | 3.56% |
| Q1 2025 | 13.93% | 1.46% | 0.55% | 4.80% | 3.29% |
| Q4 2024 | 13.62% | 1.43% | 0.50% | 4.31% | 3.09% |
| Q3 2024 | 14.02% | 1.39% | 0.56% | 4.55% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens National Bank of Meridian | Meridian , MS | 39301 | $391.9M |
| Laurel Branch | Laurel , MS | 39440 | $106.3M |
| West Hattiesburg Banking Center | Hattiesburg , MS | 39402 | $88.3M |
| North Meridian Banking Centre Branch | Meridian , MS | 39305 | $87.2M |
| Madison Banking Centre | Madison , MS | 39110 | $85.2M |
| Philadelphia Branch | Philadelphia , MS | 39350 | $76.9M |
| Carthage Branch | Carthage , MS | 39051 | $73.6M |
| Macon Branch | Macon , MS | 39341 | $73.3M |
| Kosciusko Branch | Kosciusko , MS | 39090 | $66.7M |
| Brandon Banking Centre Branch | Brandon , MS | 39042 | $61.2M |
| Columbus Branch | Columbus , MS | 39705 | $55.0M |
| Castlewoods Banking Centre Branch | Brandon , MS | 39047 | $52.3M |
| West Meridian Banking Centre Branch | Meridian , MS | 39307 | $49.4M |
| Southaven Banking Centre Branch | Southaven , MS | 38671 | $42.5M |
| Bonita Lakes Mall Branch | Meridian , MS | 39301 | $42.2M |
| East Columbus Banking Centre Branch | Columbus , MS | 39702 | $41.8M |
| Olive Branch | Olive Branch , MS | 38654 | $40.7M |
| Kosciusko Hwy 12 Branch | Kosciusko , MS | 39090 | $40.3M |
| Hattiesburg Branch | Hattiesburg , MS | 39402 | $34.6M |
| Olive Branch Craft Road Banking Centre | Olive Branch , MS | 38654 | $26.9M |
| South Hattiesburg Banking Centre Branch | Hattiesburg , MS | 39402 | $24.6M |
| Quitman Branch | Quitman , MS | 39355 | $19.6M |
| Pear Orchard Banking Centre Branch | Ridgeland , MS | 39157 | $19.0M |
| Waynesboro Branch | Waynesboro , MS | 39367 | $16.1M |
| Broadmoor Express Bank | Meridian , MS | 39305 | $7.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 27, 1991 | Structure Change | Acquired Charter Savings Bank, Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 1, 1991 | Structure Change | Acquired Southeastern Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1987 | Structure Change | Acquired The Stonewall Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 1973 | Structure Change | Acquired Bank of Macon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
What the public regulatory sources show for The Citizens National Bank of Meridian, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 26, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.0% of deposits in MS, rank 10 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Citizens National Bank of Meridian
What are The Citizens National Bank of Meridian's total assets?
As of the Q2 2026 filing, The Citizens National Bank of Meridian reported total assets of $1.89 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens National Bank of Meridian headquartered?
The Citizens National Bank of Meridian is headquartered in Meridian, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Citizens National Bank of Meridian founded?
The Citizens National Bank of Meridian was established in 1888, per the FDIC institution directory.
Is The Citizens National Bank of Meridian FDIC-insured?
Yes. The Citizens National Bank of Meridian is an FDIC-insured commercial bank (FDIC Certificate #4993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank of Meridian?
The Citizens National Bank of Meridian's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Citizens National Bank of Meridian's CET1 capital ratio?
The Citizens National Bank of Meridian reported a Common Equity Tier 1 (CET1) capital ratio of 13.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank of Meridian operate?
The Citizens National Bank of Meridian operates 29 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank of Meridian's Texas Ratio?
The Citizens National Bank of Meridian's Texas Ratio is 6.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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