The Citizens National Bank of Meridian

Headquarters: Meridian, Mississippi
Charter: Bank
Assets: $1.9B
Fed district: Atlanta
Regulator: OCC
Holding company: Citizens National Banc Corp.

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026

How these figures are measured

Call-report figures are for The Citizens National Bank of Meridian at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Citizens National Bank of Meridian's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The Citizens National Bank of Meridian (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $1.5M in Q2 2026, 12% above the same quarter a year earlier ($1.4M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
ClassicBlue Checking $5 · PremierBlue Checking $8
Compared at $6.50, the middle of its prices
The Citizens National Bank of Meridian: $5 to $8
The Citizens National Bank of Meridian: $5 to $8
U.S. median: no median
Overdraft (OD)
Compared at $36, its standard fee, the highest of its prices
The Citizens National Bank of Meridian: $35 to $36
The Citizens National Bank of Meridian: $35 to $36
U.S. median: no median
NSF / Returned Item
Compared at $35.50, the middle of its prices
The Citizens National Bank of Meridian: $35 to $36
The Citizens National Bank of Meridian: $35 to $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $1.5M.

Service-charge income, Q2 2026

$1.5M

$1.5MQ3 2025

$1.5MQ4 2025

$1.5MQ1 2026

$1.5MQ2 2026

Against the median

The Citizens National Bank of MeridianMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The Citizens National Bank of Meridian · $1.9B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$1.8B to $2B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Citizens National Bank of Meridian(this institution)	Meridian, MS	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Androscoggin Savings Bank	Lewiston, ME	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank 7	Oklahoma City, OK	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BankWest, Inc.	Pierre, SD	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Beneficial State Bank	Oakland, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chelsea Groton Bank	Groton, CT	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cornerstone Bank	Fargo, ND	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Embassy Bank for the Lehigh Valley	Bethlehem, PA	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fairfield County Bank	Ridgefield, CT	$1.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fall River Five Cents Savings Bank	Fall River, MA	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Commerce Bank	Lakewood, NJ	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank	Fort Pierre, SD	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Northern Bank of Dixon	Dixon, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FirstBank Southwest	Amarillo, TX	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florence Bank	Florence, MA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Hawthorn Bank	Jefferson City, MO	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kennebec Savings Bank	Augusta, ME	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Montecito Bank & Trust	Santa Barbara, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Newtown Savings Bank	Newtown, CT	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Easton Savings Bank	South Easton, MA	$1.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oak Valley Community Bank	Oakdale, CA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Conway National Bank	Conway, SC	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Farmers & Merchants Bank	Stuttgart, AR	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The National Bank of Blacksburg	Blacksburg, VA	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Thomaston Savings Bank	Thomaston, CT	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Tri City National Bank	Oak Creek, WI	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (19%) below the median of similar-sized banks.

Compared at $6.50, the middle of its two prices, against a peer median of $8 among 13 publishing peers.

Its two checking prices are $5 and $8.

$6.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Citizens National Ban…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Citizens National Bank of Meridian (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.5M
vs prior quarter: +$36K+2.4%; from Q1 2026
vs a year earlier: +$168K+12.2%; from Q2 2025
vs start of range: −$7K−0.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Citizens National Bank of Meridian (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.5M	+$36K	+2.4%
Q1 2026	$1.5M	−$33K	−2.1%
Q4 2025	$1.5M	$0	0.0%
Q3 2025	$1.5M	+$165K	+12.0%
Q2 2025	$1.4M	−$63K	−4.4%
Q1 2025	$1.4M	−$111K	−7.2%
Q4 2024	$1.5M	−$1K	−0.1%
Q3 2024	$1.5M	+$84K	+5.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Citizens National Bank of Meridian’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee$5
per month
Monthly Maintenance$8
per month
Account Closing: Within 90 days$20
Consumer Paper Statement Fee$2
Paper statement fee$3

Overdraft & NSF

Bill Payment Overdraft Fee$36
per item · Per item, per presentment
Bill Payment Overdraft Fee per item, per presentment$36
per item
Consumer Overdraft Fee per item, per presentment$35
per item
Bill Payment NSF Fee per item, per presentment$36
per item
Consumer NSF Fee per item, per presentment$35
per item

ATM & Card

Balance Inquiry$2
Foreign ATM Balance Inquiry (audience not stated, treated as personal)$2
per item · Fees charged for using a non-CNB ATM
Foreign ATM Transactional Fees: Withdrawal$2
Replacement CNB Debit Card$5

Wire Transfers

Wire Transfers: Outgoing Domestic$20
Wire Transfers: Incoming$20

Check Services

Official Checks$8
Money Orders$7
Stop Payments$36
Collection Items: Any Amount$12
Image Statements$5
per item · Research fee

Digital & Electronic

Expedited Overnight ACH Payment (audience not stated, treated as personal)$9.99
per item · Online Banking convenience fee

Cash & Deposit

Deposited Items Returned Fees per item, per presentment$10
per item

Account Services

Notary FeeNo charge
per item · Free for CNB customers. $5.00 for non-customers
Notary Fee Free for CNB customers.$5
Late Payment Fee (30 days or more past due)$5
Not compared: Box drilling or key fee
Tax Levy, Garnishment, Encumbrance Fee$100

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$5	per month	None
Monthly Maintenance	$8	per month	None
Account Closing: Within 90 days	$20	Not stated	None
Consumer Paper Statement Fee	$2	Not stated	None
Paper statement fee	$3	Not stated	None
Overdraft & NSF
Bill Payment Overdraft Fee	$36	per item	Per item, per presentment
Bill Payment Overdraft Fee per item, per presentment	$36	per item	None
Consumer Overdraft Fee per item, per presentment	$35	per item	None
Bill Payment NSF Fee per item, per presentment	$36	per item	None
Consumer NSF Fee per item, per presentment	$35	per item	None
ATM & Card
Balance Inquiry	$2	Not stated	None
Foreign ATM Balance Inquiry (audience not stated, treated as personal)	$2	per item	Fees charged for using a non-CNB ATM
Foreign ATM Transactional Fees: Withdrawal	$2	Not stated	None
Replacement CNB Debit Card	$5	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic	$20	Not stated	None
Wire Transfers: Incoming	$20	Not stated	None
Check Services
Official Checks	$8	Not stated	None
Money Orders	$7	Not stated	None
Stop Payments	$36	Not stated	None
Collection Items: Any Amount	$12	Not stated	None
Image Statements	$5	per item	Research fee
Digital & Electronic
Expedited Overnight ACH Payment (audience not stated, treated as personal)	$9.99	per item	Online Banking convenience fee
Cash & Deposit
Deposited Items Returned Fees per item, per presentment	$10	per item	None
Account Services
Notary Fee	No charge	per item	Free for CNB customers. $5.00 for non-customers
Notary Fee Free for CNB customers.	$5	Not stated	None
Late Payment Fee (30 days or more past due)	$5Not compared: Box drilling or key fee	Not stated	None
Tax Levy, Garnishment, Encumbrance Fee	$100	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where The Citizens National Bank of Meridian operates, and what regulators and customers have on file.

Market position

In Jackson, MS, The Citizens National Bank of Meridian holds 0.9% of bank deposits, #15 of 30, with 4 offices.

Compare fees with the 33 Jackson, MS banks and credit unions in its home-metro peer set →

Offices in the metro

251 offices of 53 institutions shown.

The Citizens National Bank of MeridianOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Jackson, MS metro (FDIC metro code 27140), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 9 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Trustmark Bank29.6%
2BankPlus14.5%
3Regions Bank13.7%
4The Huntington National Bank11.4%
5Renasant Bank5.6%
6Community Bank of Mississippi5.4%
7PriorityOne Bank3.2%
8Story Financial Partners3.0%
15The Citizens National Bank of Meridian0.9%

9 of 30 institutions shown. $23.5B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Jackson, MS metro (FDIC metro code 27140)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.9% share, 4 offices, #15 of 30

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Jackson, MS metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

50 offices of 24 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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