The Citizens National Bank of Meridian: how it compares with its peers
Against 10 MS banks with half to twice its assets, The Citizens National Bank of Meridian's strongest measure in Q2 2026 is return on assets (1.59% vs. a 1.12% peer median). Its weakest relative measure is net interest margin (3.42% vs. 4.01%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.59% | 1.12% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.42% | 4.01% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.01% | 63.78% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.0M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.05% | 74.86% | Context |
What it means for lending operations
Its efficiency ratio of 65.01% is above the 63.78% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Citizens Bank of Philadelphia, Mississippi Philadelphia, MS · $1.56B
- TownBridge Bank Pascagoula, MS · $1.35B
- PriorityOne Bank Magee, MS · $1.18B
- Bank of Commerce Greenwood, MS · $1.13B
- Planters Bank & Trust Company Indianola, MS · $2.71B
- Story Bank DBA Story Financial Partners Jackson, MS · $1.01B
Questions about The Citizens National Bank of Meridian
How big is The Citizens National Bank of Meridian?
The Citizens National Bank of Meridian, established in 1888, is headquartered in Meridian, MS. It reported $1.89B in total assets in its Q2 2026 FDIC call report and operates 29 offices.
What is The Citizens National Bank of Meridian's return on assets?
1.59% annualized in Q2 2026, against a 1.12% median for 10 MS banks with half to twice its assets, ahead of 80% of them.
What is The Citizens National Bank of Meridian's efficiency ratio?
65.01% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 63.78%, and lower is better.
Is The Citizens National Bank of Meridian growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 8.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.