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The Citizens National Bank Of Meridian

Meridian, MS · Est. 1888 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

The Citizens National Bank Of Meridian is a bank based in Meridian, Mississippi, established in 1888, with $1.9 billion in total assets across 29 branches. By Trust Grade it ranks 13th of 57 banks we track in Mississippi. Its capital ratio of 10.2% trails most similarly sized banks (49th percentile), versus a Mississippi median of 10.9%. It was profitable over the most recent period, with a 1.46% return on assets. No consumer complaints against The Citizens National Bank Of Meridian appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.9B
$1B–10B institution
Deposits
$1.6B
Branches
29
Capital ratio
10.2%
Bottom 49% of $1B–10B peers · Mississippi median 10.9%
Return on assets
1.5%
Top 32% of $1B–10B peers · Mississippi median 1.07%
Rank in Mississippi
#13
of 57 banks

How The Citizens National Bank Of Meridian compares to Mississippi peers

Capital ratio
Bottom 49% of $1B–10B peers
The Citizens
10.2%
Mississippi median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Top 32% of $1B–10B peers
The Citizens
1.5%
Mississippi median
1.1%
Higher ROA = more profitable relative to asset base

How we graded The Citizens National Bank Of Meridian

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (10.2% capital ratio)
  • Strongly profitable (ROA 1.46%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The Citizens National Bank Of Meridian over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (29)

  • 101 E Jefferson St, Kosciusko, MS 39090
  • 4900 Poplar Springs Dr, Meridian, MS 39305
  • 1015 23rd Ave, Meridian, MS 39301
  • 538 Main St, Philadelphia, MS 39350
  • 1127 Highway 15 N, Laurel, MS 39440
  • 305 S Van Buren St, Carthage, MS 39051
  • 4599 Hardy St, Hattiesburg, MS 39402
  • 2412 Highway 45 N, Columbus, MS 39705
  • 1110 Central Dr, Philadelphia, MS 39350
  • 1510a Bonita Lakes Cir, Meridian, MS 39301
  • 1199 Bonita Lakes Cir, Meridian, MS 39301
  • 120 Highway 12 E, Kosciusko, MS 39090
  • 810 Mississippi Dr, Waynesboro, MS 39367
  • 512 22nd Ave, Meridian, MS 39301
  • 136 N Hills St, Meridian, MS 39305
  • 115 N Lehmberg Rd, Columbus, MS 39702
  • 2100 Highway 19 N, Meridian, MS 39307
  • 744 S Pear Orchard Rd, Ridgeland, MS 39157
  • 5248 Old Highway 11, Hattiesburg, MS 39402
  • 5917 U S Highway 49, Hattiesburg, MS 39402
  • 102 Plaza Drive, Brandon, MS 39047
  • 7203 Goodman Road, 2nd Floor Suite D, Olive Branch, MS 38654
  • 114 Grandview Blvd, Madison, MS 39110
  • 6258 U S Highway 98, Hattiesburg, MS 39402
  • 6296 Airways Blvd, Southaven, MS 38671
  • 7045 Goodman Rd, Olive Branch, MS 38654
  • 200 S Archusa Ave, Quitman, MS 39355
  • 241 W Government St, Brandon, MS 39042
  • 2934 Jefferson St, Macon, MS 39341

Are deposits at The Citizens National Bank Of Meridian insured?

Yes. The Citizens National Bank Of Meridian is an FDIC-insured bank (FDIC certificate #4993). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The Citizens National Bank Of Meridian: frequently asked questions

Is The Citizens National Bank Of Meridian a good bank?

The Citizens National Bank Of Meridian earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.2% capital ratio); Strongly profitable (ROA 1.46%).

Is The Citizens National Bank Of Meridian FDIC-insured?

Yes. The Citizens National Bank Of Meridian is a FDIC-insured bank (FDIC certificate #4993). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The Citizens National Bank Of Meridian?

The Citizens National Bank Of Meridian holds $1.9 billion in total assets, ranking 13th of 57 banks we track in Mississippi. It operates 29 branches.

Does The Citizens National Bank Of Meridian have CFPB complaints?

No CFPB complaints against The Citizens National Bank Of Meridian appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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