The Citizens National Bank of Meridian
Meridian, MS
IDRSSD: 69333
Total Assets
$1.79B
Latest filing
Total Deposits
$1.50B
Latest filing
Net Interest Margin
3.50%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens National Bank of Meridian
512 22nd Ave
Meridian, MS 39301
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1888FDIC Certificate 3331
Branches (28)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| The Citizens National Bank of Meridian (Main) | 512 22nd Ave | Meridian, MS |
| KOSCIUSKO BRANCH | 101 E Jefferson St | Kosciusko, MS |
| BROADMOOR EXPRESS BANK | 4900 Poplar Springs Dr | Meridian, MS |
| MEDICAL CENTER EXPRESS BANK | 1015 23rd Ave | Meridian, MS |
| COLLEGE PARK EXPRESS BANK | Highway 19 North | Meridian, MS |
| PHILADELPHIA BRANCH | 538 Main St | Philadelphia, MS |
| LAUREL BRANCH | 1127 Highway 15 N | Laurel, MS |
| CARTHAGE BRANCH | 305 S Van Buren St | Carthage, MS |
Showing 7 of 28
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39301 |
| State and County Number | 28075 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Meridian, MS |
Operational Info
| Number of Employees | 317 |
| Domestic Offices | 29 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.yourcnb.com |
| Data Updated | 01/30/2026 |
| CERT | 4993 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.79B |
| Total Deposits | $1.50B |
| Total Liabilities | $1.61B |
| Total Equity Capital | $185.01M |
| Net Income | $7.02M |
| Net Loans and Leases | $1.28B |
| Assets Per Employee ($Millions) | $5.61M |
| Bank Premises and Fixed Assets | $42.91M |
| Cash and Balances due from Depository Institutions | $24.50M |
| Deposits Held in Domestic Offices | $1.50B |
Key Performance Ratios
| Return on Assets (ROA) | 1.57% |
| Return on Equity (ROE) | 14.99% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 63.78% |
| Tier 1 Risk-Based Capital Ratio | 12.843% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.31% |
| Earning Assets to total Assets | 93.55% |
Income and Expense
| Total Interest Income | $22.16M |
| Total Noninterest Income | $6.95M |
| Total Interest Expense | $7.47M |
| Total Noninterest Expense | $13.80M |
| Net Interest Income | $14.69M |
| Pre-tax Net Operating Income | $7.02M |
| Provision for Credit Losses | $824.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $350.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $100.00k |
| Federal Funds Purchased and Repurchased Agreement | $79.95M |
| All Other Liabilities | $24.82M |
| Total Liabilities and Capital | $1.79B |
Securities
| Securities | $397.83M |
| Available-for-sale debt securities | $216.98M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $180.85M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens National Bank of Meridian?
$1.79B as of the latest filing.
How much are The Citizens National Bank of Meridian's total deposits?
$1.50B in total deposits.
Where is The Citizens National Bank of Meridian located?
Meridian, MS.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
29.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
1.57%.
How much are total loans and leases?
$1.28B (latest filing).
What is the total interest income (latest filing)?
$22.16M.