SBA lender profile
The Citizens National Bank of Meridian
The Citizens National Bank of Meridian appears in the public SBA loan data with 79 funded 7(a) loans since FY2010, totaling $21.5M, an average of $272K per loan, and an estimated 998 jobs supported. Its SBA lending concentrates in Mississippi and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 1.3%. 43.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 78
- Scale 39
- Activity 57
- Consistency 48
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is The Citizens National Bank of Meridian the right lender for you?
Lenders fund what they know. The Citizens National Bank of Meridian's SBA lending concentrates in Mississippi (43 loans) and Retail Trade (10 loans), at an average loan of $272K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $1.9B
- Headquarters
- Meridian, MS
- FDIC cert
- #4993
- Status
- Active
Where The Citizens National Bank of Meridian lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Mississippi | 43 | $12.8M |
| Tennessee | 16 | $3.9M |
| Alabama | 12 | $2.2M |
| Louisiana | 5 | $2.0M |
| Arkansas | 3 | $526K |
Metro areas where The Citizens National Bank of Meridian funds
What The Citizens National Bank of Meridian funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 10 | $4.7M |
| Accommodation and Food Services | 20 | $4.4M |
| Other Services | 9 | $2.6M |
| Arts, Entertainment, Recreation | 4 | $2.0M |
| Construction | 5 | $1.6M |
| Health Care and Social Assistance | 8 | $1.4M |
The Citizens National Bank of Meridian SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2015 | 1 | $1.4M |
| 2016 | 1 | $530K |
| 2017 | 3 | $2.0M |
| 2018 | 1 | $36K |
| 2019 | 5 | $481K |
| 2020 | 1 | $166K |
| 2021 | 3 | $918K |
| 2025 | 40 | $9.4M |
| 2026 | 24 | $6.6M |
Related SBA lenders
Other lenders active in Mississippi or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
The Citizens National Bank of Meridian: frequently asked questions
Does The Citizens National Bank of Meridian offer SBA loans?
Yes. The Citizens National Bank of Meridian appears in the public SBA data with 79 funded SBA 7(a) loans totaling $21.5M.
How many SBA loans has The Citizens National Bank of Meridian made?
The Citizens National Bank of Meridian is associated with 79 SBA 7(a) loans totaling $21.5M in the public SBA data (as of 2026-03-31).
What is The Citizens National Bank of Meridian's SBA charge-off rate?
About 1.3% of The Citizens National Bank of Meridian's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does The Citizens National Bank of Meridian do most of its SBA lending?
The Citizens National Bank of Meridian's SBA lending in the data is most concentrated in Mississippi, and by industry in Retail Trade.
Is The Citizens National Bank of Meridian an SBA Preferred Lender (PLP)?
The loan record shows The Citizens National Bank of Meridian operating under PLP delegated authority: 34 of its 7(a) loans (43.0%) were processed through the Preferred Lenders Program, including 34 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). The Citizens National Bank of Meridian SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/the-citizens-national-bank-of-meridian/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.
Get SBA lending trends in your inbox
Occasional, data-driven briefings on SBA lending by industry and state. No spam, unsubscribe anytime.
We use your email only to send lending-trend updates. See our privacy policy.