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The Citizens National Bank Of Meridian
Meridian, MS · FDIC Certificate #4993 · Chartered 01/0
Total assets
$1.89B
Total deposits
$1.63B
Total equity
$194.33M
Net loans
$1.31B
Branches (offices)
27
Net income (YTD)
$14.78M
Rank: #629 of 4,213 U.S. banks by assets · #9 of 57 in Mississippi. Assets changed 7.2% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 15.54% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 10.29% |
| Tier 1 leverage ratio | 11.28% |
| Uninsured deposits (share of deposits) | 41.2% |
| Noncurrent loans (share of loans) | 0.87% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 80.1% |
| Real estate loans (share of loans) | 83.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.09B | 83.6% | |
| Commercial & industrial | $183.27M | 14.0% | |
| Consumer / individual | $11.12M | 0.9% | |
| Construction & development | $133.13M | 10.2% | |
| Agricultural | $376.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.75B | $1.56B | $15.77M | $156.87M |
| Jun 2023 | $1.67B | $1.46B | $11.93M | $149.32M |
| Jun 2024 | $1.73B | $1.45B | $10.91M | $163.21M |
| Jun 2025 | $1.76B | $1.51B | $13.91M | $182.77M |
| Jun 2026 | $1.89B | $1.63B | $14.78M | $194.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $1.63B | 27 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.63B.
Similar-sized banks
The Lowell Five Cent Savings Bank ($1.90B) · Firstbank Southwest ($1.88B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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