TellerScore

The Citizens National Bank of Meridian is a national bank headquartered in Meridian, Mississippi, in business for about 138 years. At the end of Q2 2026 it reported $1.9B in total assets and $1.6B in deposits, with 29 offices.

The Citizens National Bank of Meridian has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 57 banks headquartered in Mississippi, it ranks 28th. Problem-loan coverage contributes the most (86/100, 6.8%); funding & liquidity contributes the least (51/100, 80% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.28%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.87%
Earnings84/100
Return on assets (annualized): 1.59%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 80.1% · 41.2% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the funding & liquidity component improved by 5 points.

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202471
Q4 202471
Q1 202572
Q2 202568
Q3 202567
Q4 202568
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%8.34%11.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.22%
Q3 202411.39%
Q4 202411.23%
Q1 202511.55%
Q2 202511.41%
Q3 202511.69%
Q4 202511.29%
Q1 202611.45%
Q2 202611.28%
Noncurrent loans
0.49%0.84%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.73%
Q3 20240.55%
Q4 20240.49%
Q1 20250.57%
Q2 20250.96%
Q3 20251.20%
Q4 20251.09%
Q1 20260.92%
Q2 20260.87%
Return on assets
1.29%1.45%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.33%
Q4 20241.37%
Q1 20251.46%
Q2 20251.58%
Q3 20251.61%
Q4 20251.60%
Q1 20261.46%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.9B11.28%0.87%1.59%80.1%
Q1 202669$1.9B11.45%0.92%1.46%78.9%
Q4 202568$1.8B11.29%1.09%1.60%84.9%
Q3 202567$1.8B11.69%1.20%1.61%81.9%
Q2 202568$1.8B11.41%0.96%1.58%82.2%
Q1 202572$1.8B11.55%0.57%1.46%76.1%
Q4 202471$1.7B11.23%0.49%1.37%80.2%
Q3 202471$1.7B11.39%0.55%1.33%82.0%
Q2 202468$1.7B11.22%0.73%1.29%80.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.28%
66th
Total risk-based capital14.63%
62nd
Problem loans0.87%
31st
Net charge-offs0.02%
61st
Return on assets1.59%
73rd
Net interest margin3.42%
32nd
Efficiency ratio65.0%
32nd
Loans to deposits80.1%
67th
Uninsured deposits41.2%
24th
Loan-loss reserves1.24%
63rd
Texas ratio6.8%
27th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS66 out of 100, Moderate$1.6B9.1%0.47%vs
TownBridge BankBank Pascagoula, MS61 out of 100, Moderate$1.3B8.8%1.94%vs
PriorityOne BankBank Magee, MS70 out of 100, Strong$1.2B11.9%1.58%vs
Bank of CommerceBank Greenwood, MS72 out of 100, Strong$1.1B12.9%0.88%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
Story Bank DBA Story Financial PartnersBank Jackson, MS66 out of 100, Moderate$1.0B10.8%0.37%vs

Deposit insurance

Is my money safe at The Citizens National Bank of Meridian?

Yes. The Citizens National Bank of Meridian is an FDIC-insured institution (FDIC certificate #4993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.2% of deposits ($671.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.63% (benchmark: 10%).

Check how much of your own balance is covered

29 locations

Branches

The Citizens National Bank of Meridian lists 25 offices in 15 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Citizens National Bank of Meridian
Type
National bank
FDIC certificate #
4993
RSSD ID
69333
Primary regulator
OCC
Holding company
Citizens National Banc Corp
Established
January 1, 1888
Headquarters
512 22nd Ave, Meridian, MS 39301
Employees
324

Quick answers

The Citizens National Bank of Meridian: common questions

Is The Citizens National Bank of Meridian FDIC insured?

Yes. The Citizens National Bank of Meridian is an FDIC-insured institution (FDIC certificate #4993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Citizens National Bank of Meridian's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Citizens National Bank of Meridian ever failed?

There is no failure record for FDIC certificate #4993 in the FDIC failed bank list.

How many branches does The Citizens National Bank of Meridian have?

29 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Meridian

InstitutionScoreAssetsCapitalProblem loansCompare
Meridian Postal Federal Credit UnionCredit union Meridian, MS86 out of 100, Very strong$4.4M23.0%0.00%vs
1st Mississippi Federal Credit UnionCredit union Meridian, MS79 out of 100, Strong$82.8M28.5%0.79%vs
Meridian Mississippi Ang Federal Credit UnionCredit union Meridian, MS78 out of 100, Strong$31.3M14.6%1.57%vs
The Commercial BankBank De Kalb, MS72 out of 100, Strong$295.5M10.6%0.25%vs
BankPlusBank Belzoni, MS71 out of 100, Strong$8.4B10.8%0.64%vs
Meridian Mutual Federal Credit UnionCredit union Meridian, MS71 out of 100, Strong$71.2M12.4%1.19%vs