BlastPoint's Banking Scorecard
The Citizens National Bank of Meridian
Community
Specialty: Commercial
MS
FDIC cert 4993
Meridian, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
The Citizens National Bank of Meridian demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 23% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+4.7% YoY
+0.4% QoQ
|
+$403.1M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$1.3B
+6.7% YoY
+1.5% QoQ
|
+$302.7M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.5B
+0.8% YoY
-2.2% QoQ
|
+$340.2M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.60%
+17.0% YoY
-0.6% QoQ
|
+0.43% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.48%
+11.5% YoY
+0.3% QoQ
|
-0.19% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
63.49%
-5.1% YoY
+0.2% QoQ
|
+0.86% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
1.11%
+124.9% YoY
-8.9% QoQ
|
+0.48% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
84.94%
+5.9% YoY
+3.7% QoQ
|
+1.88% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
13.29%
-0.7% YoY
+1.0% QoQ
|
-7.75% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.81%
+92.0% YoY
-8.0% QoQ
|
+0.31% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.84%
-5.7% YoY
-6.1% QoQ
|
+2.60% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
1.45%
+6.3% YoY
+36.1% QoQ
|
+0.71% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#87 of 371 · Top 23% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.45%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.60%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest Income / Assets
Current: 1.45% · Tier avg: 0.74%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
56
56th pctile
Tier 1 Capital Ratio
Current: 12.84% · Tier avg: 10.24%
49
49th pctile
Loan-to-Deposit Ratio
Current: 84.94% · Tier avg: 83.06%
46
46th pctile
Efficiency Ratio
Current: 63.49% · Tier avg: 62.63%
41
41th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.66%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.11% · Tier avg: 0.63%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.29% · Tier avg: 21.05%
Top Weaknesses
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.29% · Tier avg: 21.05%
23
23th pctile
Delinquency Rate
Current: 1.11% · Tier avg: 0.63%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.50%
41
41th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.66%
46
46th pctile
Efficiency Ratio
Current: 63.49% · Tier avg: 62.63%
49
49th pctile
Loan-to-Deposit Ratio
Current: 84.94% · Tier avg: 83.06%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.84% · Tier avg: 10.24%
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
93
93th pctile
Non-Interest Income / Assets
Current: 1.45% · Tier avg: 0.74%