$1.3B
+6.9%y/y
Percentile by value65th percentileby value
FDIC
LNLSGRCB
The Citizens National Bank of Meridian
Meridian, MississippiFDIC Cert #4993
OCCEstablished 188828 branches
Holding company: CITIZENS NATIONAL BANC CORPRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $207M |
| Investor CRE | $367M |
| Multifamily | $51.1M |
| Construction | $134M |
| 1–4 family | $314M |
| C&I | $176M |
| Agriculture | $2.42M |
| Other | $51.4M |
Loan book
Reported balances and balance-sheet intensity.
$1.29B
+6.8%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET+6.81%
−11.8%y/y
Percentile by value55th percentileby value
FDIC
LNLSNET78.9%
+3.6%y/y
Percentile by value33rd percentileby value
FDIC
LNLSNET + DEP68.4%
+2.1%y/y
Percentile by value37th percentileby value
FDIC
LNLSNET + ASSET86.32%
+0.5%y/y
Percentile by value52nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
244%
+9.1%y/y
Percentile by value56th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC59%
−6.7%y/y
Percentile by value64th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,944points
+0.0%y/y
Peer standing60th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD15.86%
−5.7%y/y
Percentile by value72nd percentileby value
FDIC
LNRENROW + LNLSGR28.16%
+8.2%y/y
Percentile by value78th percentileby value
FDIC
LNRENROT + LNLSGR13.53%
−4.6%y/y
Percentile by value65th percentileby value
FDIC
LNCI + LNLSGR