Bank · FDIC insured
Citizens National Bank
A $1.9B bank headquartered in Meridian, MS, with 28 branches in Mississippi. Best rates: savings 0.01% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings600.01%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens National Bank
Citizens National Bank has been operating since 1888 and is headquartered in Meridian, Mississippi.
- Headquarters
- 512 22nd Ave, Meridian, MS 39301
- FDIC certificate
- 4993 ↗
Branches
28 branches in Mississippi
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Mississippi
28 branches
Meridian area · 8
- The Citizens National Bank of MeridianMain office512 22nd Ave, Meridian, MS 39301Directions
- Bon. Lakes Mall Comm. Dep. Branch1510a Bonita Lakes Cir, Meridian, MS 39301Directions
- Bonita Lakes Mall Branch1199 Bonita Lakes Cir, Meridian, MS 39301Directions
- Broadmoor Express Bank4900 Poplar Springs Dr, Meridian, MS 39305Directions
- Medical Center Express Bank1015 23rd Ave, Meridian, MS 39301Directions
- North Meridian Banking Centre Branch136 N Hills St, Meridian, MS 39305Directions
- West Meridian Banking Centre Branch2100 Highway 19 N, Meridian, MS 39307Directions
- Quitman Branch200 S Archusa Ave, Quitman, MS 39355Directions
Jackson area · 4
- Brandon Banking Centre Branch241 W Government St, Brandon, MS 39042Directions
- Castlewoods Banking Centre Branch102 Plaza Drive, Brandon, MS 39047Directions
- Madison Banking Centre114 Grandview Blvd, Madison, MS 39110Directions
- Pear Orchard Banking Centre Branch744 S Pear Orchard Rd, Ridgeland, MS 39157Directions
Columbus area · 3
- Columbus Branch2412 Highway 45 N, Columbus, MS 39705Directions
- East Columbus Banking Centre Branch115 N Lehmberg Rd, Columbus, MS 39702Directions
- Macon Branch2934 Jefferson St, Macon, MS 39341Directions
Hattiesburg area · 3
- Hattiesburg Branch4599 Hardy St, Hattiesburg, MS 39402Directions
- South Hattiesburg Banking Centre Branch5917 U S Highway 49, Hattiesburg, MS 39402Directions
- West Hattiesburg Banking Center6258 U S Highway 98, Hattiesburg, MS 39402Directions
Memphis area · 3
- Olive Branch7203 Goodman Road, 2nd Floor Suite D, Olive Branch, MS 38654Directions
- Olive Branch Craft Road Banking Centre7045 Goodman Rd, Olive Branch, MS 38654Directions
- Southaven Banking Centre Branch6296 Airways Blvd, Southaven, MS 38671Directions
Kosciusko area · 2
- Kosciusko Branch101 E Jefferson St, Kosciusko, MS 39090Directions
- Kosciusko Hwy 12 Branch120 Highway 12 E, Kosciusko, MS 39090Directions
Philadelphia area · 2
- Philadelphia Branch538 Main St, Philadelphia, MS 39350Directions
- Philadelphia Hwy 15 Branch1110 Central Dr, Philadelphia, MS 39350Directions
Carthage area · 1
- Carthage Branch305 S Van Buren St, Carthage, MS 39051Directions
Laurel area · 1
- Laurel Branch1127 Highway 15 N, Laurel, MS 39440Directions
Waynesboro area · 1
- Waynesboro Branch810 Mississippi Dr, Waynesboro, MS 39367Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.28% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.87% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.59% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $81 | $88 | — |
- CapitalLeverage ratio11.28%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.87%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.59%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$81Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.