The Citizens National Bank of Meridian: SBA Lending Profile
Certified CDFI, U.S. Treasury
The Citizens National Bank of Meridian is an FDIC-insured bank, headquartered in Meridian, MS. It is active in 5 states, concentrated around MS, TN, AL. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes The Citizens National Bank of Meridian actually approves
The median SBA approval at The Citizens National Bank of Meridian is $149,900. The middle 80% of its loans fall between $48,440 and $601,820. The smallest funded approval in the available source window is $25,000 and the largest is $2,041,400. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Limited-Service Restaurants | 10 | 12.7% |
| Full-Service Restaurants | 6 | 7.6% |
| Beauty Salons | 5 | 6.3% |
| Insurance Agencies and Brokerages | 4 | 5.1% |
| Child Day Care Services | 3 | 3.8% |
| Automotive Body, Paint, and Interior Repair and Maintenance | 2 | 2.5% |
| Offices of All Other Miscellaneous Health Practitioners | 2 | 2.5% |
| Snack and Nonalcoholic Beverage Bars | 2 | 2.5% |
| Other Heavy and Civil Engineering Construction | 2 | 2.5% |
| Outdoor Advertising | 2 | 2.5% |
| Broilers and Other Meat Type Chicken Production | 2 | 2.5% |
| Furniture Merchant Wholesalers | 1 | 1.3% |
How fast The Citizens National Bank of Meridian actually funds
Approval is not money in the bank. Across 69 loans where both dates are on record, the typical gap between SBA approval and first disbursement at The Citizens National Bank of Meridian is 18 days. Half its loans fund between 11 and 29 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
SBA approvals at The Citizens National Bank of Meridian by fiscal year.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- This institution is a Treasury-certified Community Development Financial Institution. CDFIs exist specifically to fund businesses and communities that conventional lenders often decline.
- 58.2% of its funded SBA records with known business age went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 91.1% of its recent SBA loans.
- 10.1% of its SBA lending is revolving lines of credit rather than term loans.
- 2.5% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. CDFI certification status from the U.S. Treasury CDFI Fund certified institution list. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by The Citizens National Bank of Meridian.