BlastPoint's Banking Scorecard

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
Deposits +8.1% year over year ($1.6B on the books).
Delinquency rate 0.88%.
Return on assets 1.59%.
Efficiency ratio 65.01% vs a 59.73% peer average.
Loan-to-deposit ratio 80.05% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 11 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 31.5% in tier
+ ROA 0.20% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.45% below tier average
- Efficiency Ratio 5.28% above tier average

Get updates when The Citizens National Bank of Meridian releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$1.9B +7.2% YoY +0.5% QoQ	-$904.6M	$2.8B -0.6% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	47%
Total Loans ?	$1.3B +5.3% YoY +1.5% QoQ	-$657.1M	$2.0B -0.3% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$1.6B +8.1% YoY +0.1% QoQ	-$687.3M	$2.3B -0.5% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	1.59% +0.7% YoY +9.0% QoQ	+0.20%	1.39% +17.0% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	3.42% -0.7% YoY +1.8% QoQ	-0.45%	3.87% +6.2% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	65.01% +2.1% YoY -3.2% QoQ	+5.28%	59.73% -12.6% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.88% -8.7% YoY -5.6% QoQ	+0.02%	0.87% +11.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	80.05% -2.6% YoY +1.5% QoQ	-4.98%	85.04% -0.1% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	11.64% -9.3% YoY -3.1% QoQ	-9.63%	21.27% -1.5% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	Bottom 14.9% in tier
Nonperforming Asset Ratio ?	0.76% +7.8% YoY -3.7% QoQ	+0.08%	0.67% +11.7% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	13.60% -0.1% YoY +1.1% QoQ	-1.25%	14.84% -0.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.76% +9.5% YoY +105.6% QoQ	+0.23%	0.53% +2.5% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	Top 9.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	11.6% -1.2pp YoY -0.4pp QoQ	-9.7pp	21.4%	23.1%	22.2%	14%
Brokered Deposits	n/a	n/a	9.5%	3.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	14.0% -0.3pp YoY +0.3pp QoQ	0.0pp	14.0%	12.4%	12.5%	64%
CRE	58.9% +0.9pp YoY -0.1pp QoQ	+8.9pp	50.0%	42.3%	41.4%	73%
1-4 Family	24.4% -0.6pp YoY 0.0pp QoQ	-2.0pp	26.4%	33.1%	31.3%	53%
Consumer	0.9% -0.2pp YoY 0.0pp QoQ	-3.9pp	4.7%	5.6%	5.0%	41%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	13.6% 0.0pp YoY +0.2pp QoQ	-2.0pp	15.6%	16.5%	19.7%	52%
Leverage Ratio	11.3% -0.1pp YoY -0.2pp QoQ	0.0pp	11.3%	11.9%	12.6%	66%
Total Capital Ratio	14.6% 0.0pp YoY +0.2pp QoQ	-2.1pp	16.7%	17.7%	20.8%	50%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	324 +6 (+1.9%) YoY 0 QoQ	+10	313	297	482	69%
Assets per Employee ($)	$5.8M +5.2% YoY +0.5% QoQ	-$4.7M	$10.5M	$6.2M	$8.8M	10%
Branch Count	29 0 YoY +1 (+3.6%) QoQ	+9	20	22	18	81%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.9% -0.1pp YoY -0.1pp QoQ	+0.1pp	0.8%	0.9%	1.0%	70%
Allowance Coverage	1.42x +14.1% YoY +5.7% QoQ	-17.29x	18.71x	4.87x	20.23x	36%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	15.5% -0.3pp YoY +1.3pp QoQ	+2.9pp	12.6%	11.7%	11.6%	76%
Cost of Funds (YTD)	1.8% +0.1pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.8%	1.7%	43%
Net Income ($, YTD)	$14.8M +6.2% YoY — QoQ	-$4.5M	$19.2M	$13.8M	$40.4M	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#71 of 222 • Top 31.5% 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: 0.76%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.59%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.76%

Peer Median: 0.53%

#86 of 885 Top 9.6% in $1B-$10B

Top Weaknesses (1 metrics)

754

Non-Interest-Bearing Deposit Share

funding

Value: 11.64%

Peer Median: 21.27%

#754 of 885 Bottom 14.9% in $1B-$10B