🏦Bank Scorer

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

Adequate

ROA 1.46%

Institution Profile

FDIC BankFind

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

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

27

Branch Deposits

$1.5B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202452570.48%11.05%
202347469.83%12.03%
202250368.99%11.33%
202164879.17%4.01%
202096682.51%4.97%
201954073.15%7.78%
201842370.69%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 — dating 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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