At a glance
From its website, read 2 Nov 2026Citizens National Bank of Meridian is a bank or thrift based in Meridian, Mississippi. Its website describes auto loans, commercial real estate loans, credit-builder loans and 4 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (601) 693-1331 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.yourcnb.com |
| Office (official list) | 512 22nd Avenue, Meridian, MS 39301 |
What their website says about applying
Fill out the short form below to have Walter contact you, or stop by your nearest Citizens National Bank location.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 69333 |
| Address | 512 22nd Avenue, Meridian, MS 39301 Directions (Google Maps) |
| Website | www.yourcnb.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan pages list product categories but few amounts, terms or application details. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Get rates that reward you for your credit score. | source |
| Commercial real estate loans | — | Commercial Real Estate Loans | source |
| Credit-builder loans | — | Establish or improve your credit score. | source |
| Home mortgages | — | Buying. Refinancing. Building. We have the mortgage that fits your needs. | source |
| Personal / consumer loans | — | Get extra cash with a short-term unsecured loan. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | up to $5M | Loan amounts up to $5 million, with longer repayment terms than conventional loans. | source |
| Small-business loans | — | Business growth opportunities are achievable with our custom loans. | source |
Loan sizes
Loan amounts up to $5 million, with longer repayment terms than conventional loans.
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Online Mortgage Application
source
Pages read (7)
- https://www.yourcnb.com/
- https://www.yourcnb.com/community-development/consumer-financial-products-and-services/
- https://www.yourcnb.com/personal-banking/loan-options/
- https://www.yourcnb.com/business-banking/business-loans/
- https://www.yourcnb.com/personal-banking/financial-education/
- https://www.yourcnb.com/personal-banking/loan-options/auto-loans/
- https://www.yourcnb.com/business-banking/business-loans/sba-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and SBA-backed loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.2 million in 10 awards from the U.S. Treasury's CDFI Fund, 2016–2023 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Small Dollar Loan Program | $118,376 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as The Citizens National Bank of Meridian (FDIC cert 4993). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.9 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 29 (as of 30 Oct 2026) |
Offices by state and county (29)
Mississippi (29 offices)
- Attala County (2): 101 E Jefferson St, Kosciusko 39090; 120 Highway 12 E, Kosciusko 39090
- Clarke County (1): 200 S Archusa Ave, Quitman 39355
- DeSoto County (3): 7045 Goodman Rd, Olive Branch 38654; 7203 Goodman Road, 2nd Floor Suite D, Olive Branch 38654; 6296 Airways Blvd, Southaven 38671
- Forrest County (2): 5248 Old Highway 11, Hattiesburg 39402; 5917 U S Highway 49, Hattiesburg 39402
- Jones County (1): 1127 Highway 15 N, Laurel 39440
- Lamar County (2): 4599 Hardy St, Hattiesburg 39402; 6258 U S Highway 98, Hattiesburg 39402
- Lauderdale County (7): 512 22nd Ave, Meridian 39301 (main office); 1015 23rd Ave, Meridian 39301; 1199 Bonita Lakes Cir, Meridian 39301; 136 N Hills St, Meridian 39305; 1510a Bonita Lakes Cir, Meridian 39301; 2100 Highway 19 N, Meridian 39307; 4900 Poplar Springs Dr, Meridian 39305
- Leake County (1): 305 S Van Buren St, Carthage 39051
- Lowndes County (2): 115 N Lehmberg Rd, Columbus 39702; 2412 Highway 45 N, Columbus 39705
- Madison County (2): 114 Grandview Blvd, Madison 39110; 744 S Pear Orchard Rd, Ridgeland 39157
- Neshoba County (2): 1110 Central Dr, Philadelphia 39350; 538 Main St, Philadelphia 39350
- Noxubee County (1): 2934 Jefferson St, Macon 39341
- Rankin County (2): 102 Plaza Drive, Brandon 39047; 241 W Government St, Brandon 39042
- Wayne County (1): 810 Mississippi Dr, Waynesboro 39367
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by The Citizens National Bank of Meridian (RSSD 69333, FDIC cert 4993). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.32 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 5.3% from $1.26 billion on 30 Jun 2025 |
| Total assets | $1.89 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $267.2 million | 20.2% |
| Home equity lines of credit | $51.6 million | 3.9% |
| Commercial real estate, construction and multifamily | $769.9 million | 58.2% |
| Commercial and industrial (business) loans | $183.3 million | 13.9% |
| Farmland and farm production loans | $3 million | 0.2% |
| Consumer loans (credit cards, auto, other) | $11.1 million | 0.8% |
| All other loans and leases | $36.3 million | 2.7% |
Within consumer loans: auto loans $2.7 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 69 loans $3 million | 630 loans $16.1 million |
| $100,001 to $250,000 | 130 loans $15.6 million | 207 loans $19.1 million |
| $250,001 to $1 million | 291 loans $121.1 million | 140 loans $37.2 million |
| All small business loans | 490 loans $139.7 million | 977 loans $72.5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 9 loans $229,000 | 1 loan $6,000 |
| $100,001 to $250,000 | 9 loans $809,000 | none reported |
| $250,001 to $500,000 | 2 loans $418,000 | 1 loan $370,000 |
| All small farm loans | 20 loans $1.5 million | 2 loans $376,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Citizens National Bank of Meridian reported 353 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $82.3M (median loan about $175,000). 217 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 217 | 61% |
| Refinance (incl. 16 cash-out) | 92 | 26% |
| Home improvement | 23 | 6.5% |
| Other purpose | 21 | 5.9% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 293 | 83% |
| FHA-insured | 48 | 14% |
| VA-guaranteed | 6 | 1.7% |
| USDA (RHS or FSA) | 6 | 1.7% |
Included above: 6 loans on manufactured homes; 15 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 42 counties with at least one; 94% of its 2025 loans were for properties in Mississippi:
- Lauderdale County, MS (85)
- Rankin County, MS (28)
- Lamar County, MS (24)
- Attala County, MS (23)
- Madison County, MS (23)
- DeSoto County, MS (22)
- Lowndes County, MS (19)
- Leake County, MS (16)
Filed under LEI 549300XFNTNQLLW0HY87 as “Citizens National Bank of Meridian”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $149,350 (100 loans) | All 7(a) lenders in Mississippi: $222,350. Larger than the median loan of 41% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.75 pts, the middle half all at 2.75 pts (97 loans; 2% at the SBA maximum) | All lenders in Mississippi: median 2.5 pts, 10% at the maximum (685 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 0 → 97 | Rank among the 16 certified CDFIs in Mississippi with SBA approvals in either period: 15 → 2. |
| Total assets (Call Report, 30 Jun 2026) | $1.89 billion | Larger than 87% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 70% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.26 billion → $1.32 billion (+5%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 11 → 11. |
| Home loans originated in 2025 (HMDA) | 353 | More than 81% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 41% |
| Rate over prime | all variable-rate 7(a) loans in Mississippi, FY2024–26 | 685 | median 2.75 pts vs 2.5 pts |
| SBA approvals then vs now | certified CDFIs in Mississippi with SBA approvals FY2023–2026 | 15 | rank 15 → 2 of 16 |
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 87% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 11 → 11 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 81% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 100 SBA-backed approvals for Citizens National Bank of Meridian in fiscal years 2020–2026 (October 2019 to September 2026):
- 100 7(a) loans as the lender: $26.5M in total (gross amount approved), median $149,350
By fiscal year: FY2020 1 · FY2021 2 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 37 · FY2026 60.
What actually happened
- Size of its 7(a) loans: half were between $94,550 and $329,250, median $149,350 (100 loans)
- Term of its 7(a) loans: median 126 months (10 years) (100 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.50%, half between 9.50% and 10.25% (97 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 2% of its 7(a) loans had a fixed rate (100 loans)
- Young businesses: 64% of its 7(a) loans went to a startup or a business two years old or less (100 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (89, 89%)
- 7(a) SBA Express (11, 11%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (21)
- Other services (except public administration) (14)
- Retail trade (13)
- Health care and social assistance (10)
- Arts, entertainment, and recreation (7)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Lauderdale County, MS (6)
- Orleans Parish, LA (6)
- Davidson County, TN (6)
- Forrest County, MS (5)
- Shelby County, TN (5)
- Williamson County, TN (5)
- Madison County, AL (4)
- Rankin County, MS (4)
- Harrison County, MS (4)
- DeSoto County, MS (4)
- Neshoba County, MS (3)
- Lee County, AL (3)
- Lowndes County, MS (3)
- Madison County, MS (3)
How this lender was matched in the SBA files: FDIC cert 4993, found through the RSSD ID on the CDFI Fund list (SBA lists “The Citizens National Bank of Meridian”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Citizens National Bank of Meridian may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Meridian and Mississippi
- 1st Mississippi Federal Credit UnionCredit union · Meridian, MSOfficial list only
- Citizens National Banc Corp.Bank holding company · Meridian, MSAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…Verified
- Great Southern BankBank or thrift · Meridian, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loans…Verified
- Great Southern Capital CorporationBank holding company · Meridian, MSOfficial list only
Work at Citizens National Bank of Meridian? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.