Compared with Mississippi
8 of 18
compared fees are above the median.
3 below, 7 about the same.
About the same: within 1% of the median.
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
95th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Mississippi median
of 18 compared; 3 below, 7 about the same
See the feesFee schedule read Oct 10, 2026
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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Mississippi median | Published fees above the Mississippi 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
Service charges were 6.8% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (95th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
8 of 18 compared published fees sit above the Mississippi median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Mississippi 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
Overdraft (OD)
Compared at $36, its standard fee, the highest of its prices
NSF / Returned Item
Compared at $35.50, the middle of its prices
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.
Service-charge income was about level from Q3 2025 to Q2 2026, at $1.5M. Its share of revenue, 6.8%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.5M
The Citizens National Bank of MeridianMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $35 to $36; we compare the highest. Monthly maintenance: Listed at $5 to $8; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for The Citizens National Bank of Meridian (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, The Citizens National Bank of Meridian left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Citizens National Bank of Meridian by share.
Amounts from The Citizens National Bank of Meridian’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item · Per item, per presentment
per item
per item
per item
per item
per item · Fees charged for using a non-CNB ATM
per item · Research fee
per item · Online Banking convenience fee
per item
per item · Free for CNB customers. $5.00 for non-customers
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing: Within 90 days | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Consumer Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper statement fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Bill Payment Overdraft Fee | $36Above the U.S. middle 50% ($25 to $33 nationally) | per item | Per item, per presentment |
| Bill Payment Overdraft Fee per item, per presentment | $36Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Consumer Overdraft Fee per item, per presentment | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Bill Payment NSF Fee per item, per presentment | $36Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Consumer NSF Fee per item, per presentment | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Balance Inquiry | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM Balance Inquiry (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | Fees charged for using a non-CNB ATM |
| Foreign ATM Transactional Fees: Withdrawal | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement CNB Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $7Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments | $36Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Items: Any Amount | $12Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Image Statements | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | Research fee |
Digital & Electronic | |||
| Expedited Overnight ACH Payment (audience not stated, treated as personal) | $9.99Inside the U.S. middle 50% ($5 to $15 nationally) | per item | Online Banking convenience fee |
Cash & Deposit | |||
| Deposited Items Returned Fees per item, per presentment | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fee | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | per item | Free for CNB customers. $5.00 for non-customers |
| Notary Fee Free for CNB customers. | $5Inside the U.S. middle 50% ($0 to $5 nationally) | 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 | $100Above the U.S. middle 50% ($30 to $85 nationally) | 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
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.
Where The Citizens National Bank of Meridian operates, and what regulators and customers have on file.
Branch footprint
27 offices in 1 state, $1.6B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 17 | $1.2B |
| 4 | $217.6M | |
| 3 | $147.5M | |
| 3 | $110.0M |
Jackson, MS
0.9% of bank deposits, #15 of 30, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Trustmark Bank | 29.6% |
| BankPlus | 14.5% |
| Regions Bank | 13.7% |
| The Huntington National Bank | 11.4% |
| Renasant Bank | 5.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Jackson, MS, The Citizens National Bank of Meridian holds 0.9% of bank deposits, #15 of 30, with 4 offices.
251 offices of 53 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 30 institutions shown. $23.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.