The Citizens National Bank of Meridian
Meridian, Mississippi, Lauderdale County
$1.9B in total assets, the 645th largest of 4,309 US banks and 9th of 57 headquartered in Mississippi.
- FDIC certificate
- 4993
- Established
- 1888
- Owned by
- Citizens National Banc Corp
- Primary regulator
- OCC
- Website
- http://www.yourcnb.com
At a glance
Compared with 10 banks headquartered in Mississippi with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.9B | 50% | $2.1B | |
| Loans | $1.3B | 50% | $1.4B | |
| Deposits | $1.6B | 50% | $1.8B | |
| Return on assets | 1.60% | 90% | 1.08% | |
| Net interest margin | 3.42% | 20% | 4.01% | |
| Efficiency ratio | 65.0% | 60% | 62.9% | |
| Equity to assets | 10.29% | 30% | 11.19% | |
| Loans to deposits | 81% | 60% | 80% |
Growth
Total assets grew 1.9% a year over the last 5 years and 3.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 1991 | Charter Savings Bank, F.S.B. Hattiesburg, MS | $28M |
| May 1991 | Southeastern Federal Savings Bank Laurel, MS | $33M |
| Apr 1987 | The Stonewall Bank Quitman, MS | $11M |
| Mar 1973 | Bank of Macon Macon, MS | n/a |
Where they operate
27 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lauderdale County, MS | $584M | 32.0% | 1 of 10 |
| Lamar County, MS | $123M | 6.5% | 8 of 16 |
| Rankin County, MS | $113M | 2.5% | 9 of 19 |
| Desoto County, MS | $110M | 2.4% | 12 of 20 |
| Attala County, MS | $107M | 23.8% | 2 of 5 |
| Jones County, MS | $106M | 5.6% | 7 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (26 to 27, +3.8%). 2 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 26 | |||
| 2020 | Opened Olive Branch | 1 | 0 | +1 | 27 |
| 2026 through Q2 | Opened BrandonClosed Meridian | 1 | 1 | 0 | 27 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 44% | 34% | |
| 1-4 family residential | 24% | 29% | |
| Business (C&I) | 14% | 11% | |
| Construction and land | 10% | 10% | |
| Multifamily | 4% | 4% | |
| Consumer | 1% | 2% | |
| Farmland | 0% | 5% | |
| Agricultural | 0% | 2% | |
| Other | 3% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 62% | 59% | |
| Time deposits | 27% | 24% | |
| Noninterest-bearing | 12% | 18% |
Brokered deposits are 0.0% of deposits (peers 1.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.85% | 0.65% |
| Net charge-offs, annualized | 0.02% | 0.11% |
| Reserves to loans | 1.24% | 1.13% |
| Leverage ratio | 11.28% | 10.82% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Mississippi
Largest competitors in Lauderdale County, MS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/citizens-national-bank-meridian-ms