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
Unfavorable gap of $28.6M · efficiency ratio beats 33% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.91% | 1.22% | 1.52% | Beats 51% | 162 / 328 | | |
| Return on Equity | 11.94% | 8.43% | 11.45% | 14.43% | Beats 53% | 153 / 328 | | |
| Net Interest Margin | 3.13% | 3.03% | 3.45% | 3.83% | Beats 30% | 231 / 328 | | |
| Efficiency Ratio | 65.01% | 51.61% | 59.56% | 67.53% | Beats 33% | 222 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.24% | 0.51% | 1.03% | Beats 30% | 227 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 67% | 106 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.60% | 11.75% | 13.15% | 15.47% | Beats 56% | 144 / 328 | | |
| Total Risk-Based Capital Ratio | 14.63% | 12.63% | 14.15% | 16.46% | Beats 57% | 142 / 328 | | |
| Equity / Assets | 10.29% | 9.15% | 10.33% | 12.01% | Beats 49% | 166 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.05% | 76.63% | 87.92% | 95.36% | 33rd pctl | 217 / 323 | | |
| Loans / Assets | 70.02% | 65.18% | 74.15% | 79.98% | 37th pctl | 207 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |