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Letter portraitLegal landscapeQuarterYTD

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