Meridian, MS · Cert 4993 · Citizens National Banc Corp.
National charter · OCC · 27 branches
Q2 2026
Market Position · Jackson, MS · 2026 SOD (annual) · 0.9% share · #15 of 30 inst. · $0.2B of $23.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.15% | 1.15% | 1.33% | 1.30% | 1.24% | 1.15% | 1.34% | +2 bps | |
| Return on Equity | 11.43% | 11.59% | 11.77% | 13.11% | 12.43% | 11.83% | 11.22% | 13.12% | +1 bps | |
| Net Interest Margin | 2.95% | 2.89% | 3.05% | 3.32% | 3.26% | 3.25% | 3.14% | 3.21% | -11 bps | |
| Efficiency Ratio | 66.30% | 64.66% | 65.94% | 61.61% | 62.84% | 63.78% | 67.13% | 63.00% | +139 bps | |
| Non-Interest Burden | 1.51% | 1.37% | 1.54% | 1.53% | 1.48% | 1.52% | 1.61% | 1.45% | -8 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 / Loans | 0.55% | 0.49% | 0.57% | 0.96% | 1.20% | 1.09% | 0.92% | 0.87% | -8 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.12% | 0.01% | 0.01% | 0.03% | 0.13% | 0.00% | 0.03% | +2 bps | |
| Allowance / Loans | 1.16% | 1.15% | 1.16% | 1.19% | 1.21% | 1.22% | 1.24% | 1.24% | +5 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.4x | 2.0x | 1.2x | 1.0x | 1.1x | 1.3x | 1.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.39% | 11.23% | 11.55% | 11.41% | 11.69% | 11.29% | 11.45% | 11.28% | -13 bps | |
| Total Risk-Based Capital | 14.99% | 14.58% | 14.89% | 14.60% | 14.69% | 13.84% | 14.47% | 14.63% | +4 bps | |
| Equity / Assets | 10.10% | 9.68% | 9.86% | 10.37% | 10.60% | 10.31% | 10.18% | 10.29% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.00% | 81.13% | 77.01% | 83.21% | 82.91% | 86.00% | 79.88% | 81.05% | -216 bps | |
| Liquid Assets / Assets | 13.35% | 11.74% | 14.76% | 10.99% | 11.00% | 10.23% | 13.77% | 13.08% | +209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 352% | 372% | 360% | n/a | n/a | |