The Citizens National Bank of Meridian
Headquartered in MERIDIAN, MS. Analysis based on 54 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $13.1M.
Total 7(a) loans
54
Total approved
$13.1M
Average loan
$243K
States funded in
5
Charge-off rate
25.00%
FY2020–FY2023 cohort
Paid-in-full rate
0.00%
Average rate
9.68%
Average term
145 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 6 |
| 722511 | Full-Service Restaurants | 6 |
| 812112 | Beauty Salons | 3 |
| 624410 | Child Day Care Services | 3 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 2 |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 2 |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 2 |
| 512110 | Motion Picture and Video Production | 1 |
| 237990 | Other Heavy and Civil Engineering Construction | 1 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 1 |
Top 10 states
| State | Loans |
|---|---|
| MS | 27 |
| TN | 12 |
| AL | 9 |
| LA | 4 |
| AR | 2 |
Top franchise brands financed
2 franchise loans across 2 distinct brands.
| Franchise | Loans |
|---|---|
| Brightway - Associate Agency | 1 |
| BADCOCK HOME FURNITURE & MORE | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.