What are the current interest rates at Citizens National Bank of Meridian?

Current rates for Citizens National Bank of Meridian include: Savings: 0.01%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Citizens National Bank of Meridian

iAdvertiser Disclosure

Citizens National Bank of Meridian Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens National Bank of Meridian provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Citizens National Bank of Meridian's savings rates are at 0.01%. MonitorBankRates evaluates the financial stability of Citizens National Bank of Meridian with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.38%. Rates last updated and verified on 09/18/2026.

Citizens National Bank of Meridian money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens National Bank of Meridian? Share your experience about Citizens National Bank of Meridian by leaving a review below, or read customer reviews before you decide to use Citizens National Bank of Meridian.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.38%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

The Citizens National Bank of Meridian

512 22nd Ave
Meridian, MS 39301

https://www.yourcnb.com

Citizens National Bank of Meridian Savings Rates

Product	Rate	APY	View More
SmartBlue Savings	0.01%	0.01%
Min Balance $100 Details Smart Savings Transfer is an effortless, secure, and smart way to save. For example: If you have two debit card transactions that post and settle to your account today, one for $24.16 and one for $333.42, the debits will post as usual. The next day a total round-up of $1.42 will be debited from your checking account and credited to your savings account. Where does the $1.42 come from? Rounding $24.16 up to $25 adds $0.84, and rounding $333.42 up to $334 adds $0.58. When the round-up amounts of these transactions are added together, they make up the $1.42. Ask your Personal Banker if you have additional questions about Smart Savings Transfer. No monthly maintenance fee, ever. Smart Savings Transfer must be connected to your CNB Checking account at the time of opening the account. If the transfer is not set up, a $100 deposit will be required. For online accounts, a minimum balance of $100 is required to open the account. Interest will be compounded and paid to your account quarterly. If you close your account before interest is paid, you will receive the accrued interest. Rates are set by CNB and are subject to change at any time. Fees may reduce earnings. Six free withdrawals or transfers at no charge per month. Withdrawals or transfers in excess of six are charged a $5 excessive withdrawal. Only available for in-branch account opening. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%

Citizens National Bank of Meridian Checking Rates

Product	Rate	APY	View More
High-Yield Checking	-	5.00%
Min Deposit $500 Min Balance $15,000 Details Qualifications Required: Receive a monthly direct deposit of $100 or more or an ACH debit of $100 or more; A monthly e-statement; Make a minimum of 10 CNB Debit Card point-of-sale transactions; Earn 5.00% Variable Annual Percentage Yield (APY) on balances up to $15,000 and .05% APY on balances of $15,000 and over, if the following requirements are met: Receive a monthly direct deposit of $100 or more or an ACH debit of $100 or more A monthly e-statement Make a minimum of 10 CNB Debit Card point-of-sale transactions. ATM transactions are not included. Transactions must post and settle to your account during the monthly statement cycle. If the requirements are not met for the current statement cycle, the default interest rate of 0.01% APY will apply. APY is current as of July 13, 2026. Rates are set by CNB and are subject to change at any time. Interest accrues on collected balances and is paid monthly. If you close your account before interest is credited, you will not receive the accrued interest. Fees may reduce earnings. Available to individuals only. Limited to one account per Social Security Number. Automatic refunds up to $25 per month for other banks' ATM fees. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Citizens National Bank of Meridian’s Texas Ratio rose from 4.46% in Q3 2023 to 7.38% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.9B	7.38%	5.0	A
March 31, 2026	$1.9B	7.74%	5.0	A
December 31, 2025	$1.8B	7.83%	5.0	A
September 30, 2025	$1.8B	8.28%	5.0	A
June 30, 2025	$1.8B	6.79%	5.0	A
March 31, 2025	$1.8B	4.88%	5.0	A+
December 31, 2024	$1.7B	4.34%	5.0	A+
September 30, 2024	$1.7B	4.58%	5.0	A+
June 30, 2024	$1.7B	6.10%	5.0	A
March 31, 2024	$1.7B	3.86%	5.0	A+
December 31, 2023	$1.6B	3.92%	5.0	A+
September 30, 2023	$1.7B	4.46%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens National Bank of Meridian is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens National Bank of Meridian rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens National Bank of Meridian's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens National Bank of Meridian

Bank Holding Company CITIZENS NATIONAL BANC CORP

Address 512 22nd Ave, Meridian, MS 39301 · Lauderdale

Website https://www.yourcnb.com

FDIC Certificate # 4993

Established 18880101

FDIC Insurance Date 19340101

Domestic Offices 29

Total Branches 29

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.38%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5940%

Return on Equity (ROE) 15.5400%

Non-Performing Loans (NPL) 0.61%

Total Assets $1,888,606,000

Total Deposits $1,631,587,000

Equity Capital $194,329,000

Net Income $14,779,000

Headquarters Meridian

Total Branches and Offices 29

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Citizens National Bank of Meridian earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/citizens-national-bank-of-meridian-rates-review-4993">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Citizens National Bank of Meridian yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Citizens National Bank of Meridian

Frequently Asked Questions About Citizens National Bank of Meridian

How many branches does Citizens National Bank of Meridian operate?

Citizens National Bank of Meridian currently maintains approximately 29 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens National Bank of Meridian does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens National Bank of Meridian provides members with tools to manage their accounts and build a solid financial history.

Does Citizens National Bank of Meridian offer online and mobile banking?

Most modern institutions like Citizens National Bank of Meridian provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.yourcnb.com.