THE CITIZENS NATIONAL BANK OF MERIDIAN

MERIDIAN, MS · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1888FDIC #4,993

Outstanding Up

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.46%

Institution Profile

FDIC BankFind

Website

www.yourcnb.com

Address

512 22nd Ave, MERIDIAN, MS

County

Lauderdale County

Established

January 1, 1888

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 4, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Mar 2028(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.6B

Net Loans

$1.3B

Net Income

$7M

ROA

1.46%

ROE

14.28%

Risk-Based Capital

14.47%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.05%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.5B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	525	70.48%	11.05%
2023	474	69.83%	12.03%
2022	503	68.99%	11.33%
2021	648	79.17%	4.01%
2020	966	82.51%	4.97%
2019	540	73.15%	7.78%
2018	423	70.69%	11.82%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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