Lender · SBA 7(a) record
The Citizens National Bank of Meridian
MS · lends in 5 states · 79 SBA loans since 2010, 66 in the last five years.
How fast they approve. The Citizens National Bank of Meridian made 59% of its recent SBA 7(a) loans under Preferred Lender (PLP) authority — it can approve them in-house without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. Why approval speed comes down to the lender.
What stands out about The Citizens National Bank of Meridian
vs every other SBA lenderThe Citizens National Bank of Meridian lives at the small end. Its median loan is just $150k, well under the $347k typical of SBA lenders — one of the banks genuinely willing to write small.
It leans into one industry. 28% of The Citizens National Bank of Meridian's loans go to full-service restaurants — roughly 2× the share you would expect, so it clearly knows that business.
The Citizens National Bank of Meridian is startup-heavy. 46% of its loans are startups, well above the norm — a good sign if that is your deal.
This read is built from 66 funded 7(a) loans over the last five fiscal years.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Not enough seasoned history to judge
Too few of this lender's loans are old enough to say anything useful.
What rate people got
median markup over primeThe median borrower here paid prime + 2.64%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | · | · | · | · | · | · | · | · | · | · |
| 2026 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
Lenders worth comparing against this one
Picked for writing loans of a similar size in similar places.
Common questions
Does The Citizens National Bank of Meridian make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 22 startups, 11 business acquisitions, 10 commercial real-estate loans, 5 franchise loans. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan The Citizens National Bank of Meridian will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $39,525, and the typical (median) The Citizens National Bank of Meridian loan is $149,850. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do The Citizens National Bank of Meridian SBA borrowers get?
On variable-rate loans, recent The Citizens National Bank of Meridian borrowers paid a median of prime + 2.64%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does The Citizens National Bank of Meridian lend in?
Most of The Citizens National Bank of Meridian's recent SBA lending is concentrated in Mississippi, Tennessee, Alabama, among 5 states in total. Compare lenders by state.