The real lending record — every figure from funded deals. HQ: 512 22nd Ave, Meridian, MS. 29 branches.
68
Recent deals (FY20+)
$150K
Typical deal
19 days
Approval → funding
Where The Citizens National Bank of Meridian lends
Deal profile
Most The Citizens National Bank of Meridian deals land between $105K and $362K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
1.Limited-Service Restaurants (8)
2.Full-Service Restaurants (7)
3.Beauty Salons (4)
4.Child Care Services (3)
5.Insurance Agencies and Brokerages (3)
6.Other Heavy and Civil Engineering Construction (2)
7.Automotive Body, Paint, and Interior Repair and Maintenance (2)
8.Offices of All Other Miscellaneous Health Practitioners (2)
Can The Citizens National Bank of Meridian fund you? The bank behind the loans
Total assets
$1.9B
▲ 4.7% vs prior quarter
Deposits on hand
$1.6B
▲ 8.4% vs prior quarter
Loans outstanding
$1.3B
▲ 0.6% vs prior quarter
Net income (latest qtr)
$6.7M
•An active SBA program (~0.8% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes The Citizens National Bank of Meridian more SBA-focused than 74% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 1.46% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
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Get in touch with The Citizens National Bank of Meridian
Tell us where to reach you and we'll arrange the introduction — to The Citizens National Bank of Meridian or a comparable SBA specialist who fits your deal even better.
Walk into a The Citizens National Bank of Meridian branch (29)
The Citizens National Bank Of MeridianMain office512 22nd AveMeridian, MS 39301 · since 1888
Macon Branch2934 Jefferson StMacon, MS 39341 · since 1800
Quitman Branch200 S Archusa AveQuitman, MS 39355 · since 1925
Kosciusko Branch101 E Jefferson StKosciusko, MS 39090 · since 1955
Medical Center Express Bank1015 23rd AveMeridian, MS 39301 · since 1957 · limited service
Broadmoor Express Bank4900 Poplar Springs DrMeridian, MS 39305 · since 1960 · limited service
Kosciusko Hwy 12 Branch120 Highway 12 EKosciusko, MS 39090 · since 1963
Waynesboro Branch810 Mississippi DrWaynesboro, MS 39367 · since 1974
Philadelphia Branch538 Main StPhiladelphia, MS 39350 · since 1985
Scroll for all 29 branches · Branch data: FDIC BankFind.
Recent deals
Signs and Design LLCin New Orleans, LA — $838K (2026) · purchase · Indoor and Outdoor Display Advertising
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
312 mo (26 yrs)
SBA guaranteed
$629K (75%)
Approved
3/12/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
FASTSIGNS
Jobs supported
9
Business age
Change of Ownership
Industry
Indoor and Outdoor Display Advertising
If you were the buyer here
Est. deal size
$931K
Est. down payment (10%)
$93K
Est. cash at closing
$128K
Monthly payment
$6,817
Annual debt service
$82K
Cash flow needed (1.25×)
$102K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
1 of The Citizens National Bank of Meridian's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.
DealRoom analysis of public lending records, FY2020–present. Not affiliated with The Citizens National Bank of Meridian.
AI summary
The Citizens National Bank of Meridian is an SBA lender tracked by DealRoom.so SBA Intelligence, with lending activity broken down by state, industry, and loan size from public records. DealRoom is not a lender.
Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.
Find the bank most likely to fund your deal
The Citizens National Bank of Meridian is one of 1,000+ SBA lenders on record — and they all have different appetites. Tell us your deal size, industry, and location, and we'll point you to the banks that fund deals like yours.
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Carthage Branch305 S Van Buren StCarthage, MS 39051 · since 1986
Hattiesburg Branch4599 Hardy StHattiesburg, MS 39402 · since 1995
Columbus Branch2412 Highway 45 NColumbus, MS 39705 · since 1996
Philadelphia Hwy 15 Branch1110 Central DrPhiladelphia, MS 39350 · since 1997
Bon. Lakes Mall Comm. Dep. Branch1510a Bonita Lakes CirMeridian, MS 39301 · since 1997 · limited service
Bonita Lakes Mall Branch1199 Bonita Lakes CirMeridian, MS 39301 · since 1998
North Meridian Banking Centre Branch136 N Hills StMeridian, MS 39305 · since 2001
East Columbus Banking Centre Branch115 N Lehmberg RdColumbus, MS 39702 · since 2001
West Meridian Banking Centre Branch2100 Highway 19 NMeridian, MS 39307 · since 2001
Pear Orchard Banking Centre Branch744 S Pear Orchard RdRidgeland, MS 39157 · since 2002
West Hattiesburg Banking Center5248 Old Highway 11Hattiesburg, MS 39402 · since 2004 · limited service
South Hattiesburg Banking Centre Branch5917 U S Highway 49Hattiesburg, MS 39402 · since 2004
Castlewoods Banking Centre Branch102 Plaza DriveBrandon, MS 39047 · since 2004
Olive Branch7203 Goodman Road, 2nd Floor Suite DOlive Branch, MS 38654 · since 2005
Madison Banking Centre114 Grandview BlvdMadison, MS 39110 · since 2006
West Hattiesburg Banking Center6258 U S Highway 98Hattiesburg, MS 39402 · since 2006
Southaven Banking Centre Branch6296 Airways BlvdSouthaven, MS 38671 · since 2009
Olive Branch Craft Road Banking Centre7045 Goodman RdOlive Branch, MS 38654 · since 2020
Brandon Banking Centre Branch241 W Government StBrandon, MS 39042 · since 2026
Industry
Residential Remodelers
If you were the buyer here
Est. deal size
$828K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$9,647
Annual debt service
$116K
Cash flow needed (1.25×)
$145K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.