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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Mississippi, the state note

Citizens National Bank of Meridian

Meridian, Mississippi · $1.89B in assets · beside the 6 other Mississippi banks between $1B and $3B

The filing

+5.3%
Loans, year over year
6th of 7, largest first
1.56%
ROA
3rd of 7
81.1%
Loans / deposits
5th of 7

Citizens National Bank of Meridian is the second largest of the 7 Mississippi banks between $1B and $3B, with $1.89B in assets at 30 June 2026. Loans are 81.1% of deposits, 5th of 7 against a median of 79.1%, and equity is 10.3% of assets, 5th of 7. Loans grew +5.3% in the year, 6th of 7, and deposits grew 8.1%; the cohort's median loan growth is +9.3%.

Noncurrent loans are 0.87% of the book, 4th of 7 against a median of 0.87%; 0.34% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 43.2% of loans, 5th of 7 against a median of 41.9%, and 248% of capital, below the 300% screen, with construction at 58% against the 100% screen. CRE has grown +52.3% over 36 months, past the guidance's 50% prong.

Return on assets is 1.56%, 3rd of 7 against a median of 1.21%, on an efficiency ratio of 65.0%, 4th of 7. Five years ago it was 1.70%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMS banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.21% PB Priorityone Bank 2.01% MM Merchants & Marine Bank 1.78% CN Citizens National Bank of Meridian 1.56% PB Planters Bank & Trust Co. 1.21% Bo Bank of Commerce 1.13% SB Story Bank dba Story Finl Part 0.89% CB Citizens Bank Philadelphia Mississippi 0.80%
Loans, year over yearMS banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.3% MM Merchants & Marine Bank +45.5% PB Planters Bank & Trust Co. +41.5% Bo Bank of Commerce +23.0% CB Citizens Bank Philadelphia Mississippi +9.3% SB Story Bank dba Story Finl Part +8.4% CN Citizens National Bank of Meridian +5.3% PB Priorityone Bank +5.2%

SBA 7(a), FY2008 to FY2026

Citizens National Bank of Meridian is the 32nd largest 7(a) lender into Mississippi of 206, with $17M across 51 loans, 0.6% of everything approved in the state (Community Bank of Mississippi leads with $460M). 4 of its 43 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Mississippi, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Madison, MS$3M19th of 651.7%thin
Lauderdale, MS$2M10th of 293.8%+0.7 pts
Perry, MS$2M6th of 149.5%thin
Orleans, LA$2M35th of 850.5%thin
Harrison, MS$2M26th of 610.9%thin
Desoto, MS$1M27th of 660.8%thin
Lowndes, MS$1M16th of 361.8%thin
Neshoba, MS$1M12th of 191.4%-9.7 pts
Rankin, MS$1M33rd of 650.5%thin
Shelby, TN$986K90th of 1390.1%thin
Marshall, TN$960K8th of 224.1%thin
Davidson, TN$946K104th of 1640.1%thin
Williamson, TN$870K61st of 1120.2%thin
30 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services24$5M18.3%0.01%821st of 2,596
Retail trade11$5M18.0%0.01%748th of 2,589
Other services12$4M13.5%0.01%665th of 2,248
Agriculture, forestry & fishing2$2M7.7%0.03%315th of 1,007
Arts, entertainment & recreation4$2M7.6%0.01%575th of 1,656
7(a) lenders into Mississippi, share of approvals since FY2008206 lenders on record; the ten largest and Citizens National
CB Community Bank of Mississippi 15.3% $460M · 1,205 loans FF First Financial Bank 10.0% $300M · 1,016 loans PB Peoples Bank 8.3% $248M · 805 loans LO Live Oak Banking Company 5.7% $171M · 118 loans TB Trustmark Bank 5.1% $155M · 1,047 loans B Bankplus 4.4% $132M · 340 loans RB Renasant Bank 4.0% $119M · 232 loans TH The Huntington National Bank 3.3% $99M · 260 loans BF Bankfirst Financial Services 2.7% $80M · 200 loans SA Southern Agcredit, Flca 1.8% $54M · 37 loans TC The Citizens National Bank of Mer… 0.5% $17M · 51 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Citizens NationalRankCohort median
Total CRE against capital, the 300% screen248%5th of 7244%
Construction against capital, the 100% screen58%3rd of 762%
Construction and land development, share of loans10.1%3rd of 710.4%
Non-owner-occupied nonfarm nonresidential, share of loans29.1%5th of 726.8%
Total CRE, the guidance definition, share of loans43.2%5th of 741.9%
CRE growth over 36 months, the third prong+52.3%5th of 7+41.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Planters Bank & Trust Co.$2.71B1.2%60.2%0.61%0.23%1.0%79.1%11.6%
Citizens National Bank of Meridian$1.89B1.6%65.0%0.87%0.02%1.2%81.1%10.3%
Citizens Bank Philadelphia Mississippi$1.56B0.8%71.1%0.47%0.28%1.1%67.8%5.6%
Merchants & Marine Bank$1.35B1.8%75.8%1.94%0.02%1.1%68.0%9.7%
Priorityone Bank$1.18B2.0%60.3%1.58%0.17%1.5%90.2%11.9%
Bank of Commerce$1.13B1.1%59.6%0.88%0.13%0.8%65.7%11.6%
Story Bank dba Story Finl Part$1.01B0.9%70.1%0.37%0.01%0.9%99.7%10.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Citizens NationalCohort median
20212026Change20212026Change
Loans$1.02B$1.32B+29%$604M$894M+48%
Deposits$1.48B$1.63B+10%$732M$1.03B+41%
NPA / loans0.46%0.87%+0.42 pts0.66%0.87%+0.21 pts
Efficiency58.5%65.0%+6.5 pts65.4%65.0%-0.3 pts
ROA1.70%1.56%-0.14 pts0.80%1.21%+0.40 pts

This read was prepared for Citizens National Bank of Meridian's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Citizens National Bank of Meridian is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MS banks $1B to $3B
Institution www.yourcnb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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