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The Citizens National Bank of Meridian

$1B-$10B Specialty: Commercial MS FDIC cert 4993

Designations: ✓ Community bank ✓ CDFI-certified

Meridian, MS

29 branches across MS

884 banks in the $1B-$10B peer group nationally 9 in MS
View $1B-$10B leaderboard (MS) →

The Citizens National Bank of Meridian has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 33.0% in tier
  • + ROA 0.10% above tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.46% below tier average
  • - Efficiency Ratio 6.07% above tier average
Get updates when The Citizens National Bank of Meridian releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $1.9B
+4.6% YoY +4.7% QoQ
-$935.9M $2.8B
-0.1% YoY
$2.3B
+11.5% YoY
$6.2B
+9.1% YoY
47%
Total Loans ? $1.3B
+6.8% YoY +0.6% QoQ
-$678.4M $2.0B
+0.6% YoY
$1.5B
+13.2% YoY
$3.2B
+10.8% YoY
47%
Total Deposits ? $1.6B
+3.1% YoY +8.4% QoQ
-$712.7M $2.3B
-0.3% YoY
$1.9B
+10.5% YoY
$4.8B
+8.2% YoY
49%
Return on Assets ? 1.46%
+0.2% YoY -8.4% QoQ
+0.10% 1.37%
+19.6% YoY
1.16%
+5.3% YoY
1.23%
+13.4% YoY
68%
Net Interest Margin ? 3.36%
+3.2% YoY -3.4% QoQ
-0.46% 3.82%
+6.9% YoY
3.97%
+6.6% YoY
3.89%
+5.7% YoY
32%
Efficiency Ratio ? 67.13%
+1.8% YoY +5.7% QoQ
+6.07% 61.06%
-4.6% YoY
67.65%
-1.2% YoY
66.95%
-4.1% YoY
29%
Delinquency Rate ? 0.94%
+62.8% YoY -15.3% QoQ
+0.05% 0.89%
+14.1% YoY
1.06%
+2.0% YoY
0.95%
+18.8% YoY
29%
Loan-to-Deposit Ratio ? 78.89%
+3.6% YoY -7.1% QoQ
-5.31% 84.20%
+0.3% YoY
70.20%
+3.2% YoY
76.70%
+0.9% YoY
68%
Non-Interest-Bearing Deposit Share ? 12.02%
-1.8% YoY -9.6% QoQ
-9.27% 21.29%
-2.5% YoY
22.68%
-1.8% YoY
22.01%
-1.2% YoY
17%
Nonperforming Asset Ratio ? 0.79%
+64.0% YoY -2.3% QoQ
+0.11% 0.67%
+15.6% YoY
0.74%
+0.7% YoY
0.67%
+19.3% YoY
28%
Tier 1 Capital Ratio ? 13.44%
-3.5% YoY +4.7% QoQ
-1.72% 15.16%
+2.0% YoY
13.90%
-1.0% YoY
17.06%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.37%
+9.3% YoY -74.6% QoQ
+0.11% 0.26%
+1.6% YoY
0.17%
-9.5% YoY
0.32%
+4.1% YoY
Top 10.0% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#74 of 221 • Top 33.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.37%
(Tier: 0.26%, National: 0.32%)
better than tier avg
Return on Assets: 1.46%
(Tier: 1.37%, National: 1.23%)
better than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

89
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.26%
#89 of 884 Top 10.0% in $1B-$10B

Top Weaknesses (1 metrics)

738
Non-Interest-Bearing Deposit Share
funding
Value: 12.02%
Peer Median: 21.29%
#738 of 884 Bottom 16.6% in $1B-$10B
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