Total Assets
$1.8B
Total balance-sheet footings
FDIC Cert #4993 · Meridian, Mississippi · Est. 1888
The Citizens National Bank of Meridian - FDIC Bank Health Profile
A community-scale look at The Citizens National Bank of Meridian's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.8B
- Total assets
- A
- Health grade · Excellent
- 1.60%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Citizens National Bank of Meridian earns a PlainBankData health grade of A (84/100), with well-capitalized at 12.84% Tier 1, profitable at 1.60% ROA, 63% efficiency ratio.
- #648
- largest of 4,313 FDIC banks by assets
- 85th
- percentile by asset size, nationally
- 12.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 78th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Citizens National Bank of Meridian's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Citizens National Bank of Meridian's composite health score
Tier 1 Capital Ratio (12.84%) 35/40
Return on Assets (ROA) (1.60%) 25/25
Texas Ratio (7.04%) 16/20
Efficiency Ratio (63.49%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.5B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$28M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Citizens National Bank of Meridian ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens National Bank of Meridian's score of 84/100 falls in the highlighted band.
The Citizens National Bank of Meridian's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Citizens National Bank of Meridian's $1.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.84%
Texas Ratio
7.04%
Equity Capital
$185M
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.60%
Return on Equity (ROE)
15.71%
Efficiency Ratio
63.49%
What the numbers say about The Citizens National Bank of Meridian
The Citizens National Bank of Meridian is an FDIC-insured institution (Certificate #4993) headquartered in Meridian, Mississippi, established in 1888. It holds $1.8B in total assets - 648th of 4,313 FDIC-insured banks, $1.5B in customer deposits, and $1.3B in net loans. On safety, its Tier 1 capital ratio of 12.84% is above the 10% well-capitalized threshold, and its Texas Ratio of 7.04% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Mississippi, The Citizens National Bank of Meridian ranks 9th of 57 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$87M
Interest Income
$26M
Non-Interest Income
$53M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens National Bank of Meridian reports a Texas Ratio of 7.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens National Bank of Meridian (FDIC Cert #4993) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is The Citizens National Bank of Meridian's health grade?▼
The Citizens National Bank of Meridian receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Citizens National Bank of Meridian?▼
The Citizens National Bank of Meridian holds $1.8B in total assets and $1.5B in deposits, ranking 648th of 4,313 FDIC-insured banks by asset size. It is headquartered in Meridian, Mississippi.
Is my money safe at The Citizens National Bank of Meridian?▼
Yes, deposits at The Citizens National Bank of Meridian (Certificate #4993) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens National Bank of Meridian's Tier 1 Capital Ratio?▼
The Citizens National Bank of Meridian has a Tier 1 Capital Ratio of 12.84%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Citizens National Bank of Meridian?▼
The Citizens National Bank of Meridian has a Texas Ratio of 7.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Citizens National Bank of Meridian?▼
The Citizens National Bank of Meridian has an Efficiency Ratio of 63.49%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens National Bank of Meridian's profile as a depositor or analyst.
- The Citizens National Bank of Meridian's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens National Bank of Meridian against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.