PackageTrendsPeer
Letter portraitLegal landscape

Citizens National Bank of Meridian, The

Meridian, MS · Cert 4993 · Citizens National Banc Corp.

National charter · OCC · 27 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens National Bank of Meridian, The

Meridian, MS · Cert 4993 · Citizens National Banc Corp.

National charter · OCC · 27 branches

Q2 2026

$1.9BAssets
$1.3BLoans
$1.6BDeposits
$194.3MEquity
Loan mix
85%RE $1.1B14%C&I $0.2B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $1.4B12%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Jackson, MS · 2026 SOD (annual) · 0.9% share · #15 of 30 inst. · $0.2B of $23.5B

32.0% Lauderdale
6.5% Lamar
2.5% Rankin
2.4% DeSoto

Executive Summary

  • Earnings: ROA of 1.25%, up 1 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.87% of loans (-8 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.28%, down 13 bps from a year ago.
  • Funding: loans stand at 81.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.25%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-2 bps YoY

Efficiency Ratio (YTD, annualized)

65.01%+132 bps YoY

Tier 1 Leverage Ratio

11.28%-13 bps YoY

NIM

4.42%Q2 ’244.72%Q2 ’254.76%Q2 ’26+13%-1%

Non-interest income vs. expense

2.78%Q2 ’242.86%Q2 ’253.01%Q2 ’26+1%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.08%1.15%1.24%1.26%1.26%1.15%1.25%+1 bps
Return on Equity10.89%11.17%11.77%12.48%12.46%12.40%11.22%12.20%-28 bps
Net Interest Margin2.84%2.86%3.05%3.15%3.19%3.20%3.14%3.13%-2 bps
Efficiency Ratio67.65%66.89%65.94%63.69%63.40%63.49%67.13%65.01%+132 bps
Non-Interest Burden1.50%1.48%1.54%1.52%1.51%1.51%1.61%1.51%-1 bps
Growth
Asset Growth (YoY)4.28%4.22%5.16%1.71%3.19%4.71%4.57%7.17%+546 bps
Loan Growth (YoY)9.16%8.56%7.65%6.44%6.59%6.82%6.90%5.32%-112 bps
Deposit Growth (YoY)-1.01%7.83%10.22%4.33%6.71%0.77%3.05%8.12%+380 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.49%0.57%0.96%1.20%1.09%0.92%0.87%-8 bps
Net Charge-Offs / Loans0.05%0.07%0.01%0.01%0.02%0.05%0.00%0.02%0 bps
Allowance / Loans1.16%1.15%1.16%1.19%1.21%1.22%1.24%1.24%+5 bps
Allowance Coverage of NPLs2.1x2.4x2.0x1.2x1.0x1.1x1.3x1.4x+0.2x
Capital
Tier 1 Leverage Ratio11.39%11.23%11.55%11.41%11.69%11.29%11.45%11.28%-13 bps
Total Risk-Based Capital14.99%14.58%14.89%14.60%14.69%13.84%14.47%14.63%+4 bps
Equity / Assets10.10%9.68%9.86%10.37%10.60%10.31%10.18%10.29%-8 bps
Liquidity & Funding
Loans / Deposits83.00%81.13%77.01%83.21%82.91%86.00%79.88%81.05%-216 bps
Liquid Assets / Assets13.35%11.74%14.76%10.99%11.00%10.23%13.77%13.08%+209 bps
CRE / Total Capitaln/an/an/an/a352%372%360%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens National Bank of Meridian, The

Meridian, MS · Cert 4993 · Peer group: banks $1B-$10B in assets (n=322-328) · Citizens National Banc Corp.

National charter · OCC · 27 branches

Q2 2026

$1.9BAssets
$1.3BLoans
$1.6BDeposits
$194.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 67% of banks $1B-$10B in assets (rank 106 of 322).
  • Widest gap: nonperforming loans / loans trails 70% of banks $1B-$10B in assets (rank 227 of 322).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.23%

Rank 162 of 328

Net Interest Margin

3.13%

Rank 231 of 328

Efficiency Ratio

65.01%

Rank 222 of 328

Equity / Assets

10.29%

Rank 166 of 328

Non-interest income vs. expense

$28.6M$57.1MINCOMEEXPENSE
Unfavorable gap of $28.6M · efficiency ratio beats 33% of banks $1B-$10B in assets
Bank 65.01%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.23%0.91%1.22%1.52%Beats 51%162 / 328
Return on Equity11.94%8.43%11.45%14.43%Beats 53%153 / 328
Net Interest Margin3.13%3.03%3.45%3.83%Beats 30%231 / 328
Efficiency Ratio65.01%51.61%59.56%67.53%Beats 33%222 / 328
Asset Quality
Nonperforming Loans / Loans0.87%0.24%0.51%1.03%Beats 30%227 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 67%106 / 322
Capital
Tier 1 Capital Ratio13.60%11.75%13.15%15.47%Beats 56%144 / 328
Total Risk-Based Capital Ratio14.63%12.63%14.15%16.46%Beats 57%142 / 328
Equity / Assets10.29%9.15%10.33%12.01%Beats 49%166 / 328
Liquidity & Funding
Loans / Deposits81.05%76.63%87.92%95.36%33rd pctl217 / 323
Loans / Assets70.02%65.18%74.15%79.98%37th pctl207 / 328
Brokered Deposits / Depositsn/aNot reported for this institution