Banking Beyond Boundaries

Committed to providing innovative, responsible, and affordable banking solutions to underserved communities.

Community Development

Our commitment to our communities goes beyond providing banking services. We use our expertise and financial support to promote affordable housing, advance neighborhood development, enhance small business lending, and improve access to consumer financial services. These initiatives and investments pave the way for individuals, families, and businesses to realize their financial aspirations and dreams and actively participate in fostering economic stability within their communities. This collaborative approach ensures that the rewards of growth and prosperity are shared, nurturing a thriving, interconnected community.

Affordable Housing

Home loans for every budget and lifestyle to improve the quality of life for residents of Mississippi.

Consumer Financial Products and Services

Tailored products and services designed to transform your financial goals and dreams into reality.

Small Business Development

Products that support economic development through job creation, retention, and small businesses in low to-moderate income or underserved areas.

What I love about my house, Tra, is literally everything!

Adrian Cross, Meridian Freedom Project and Tra Alford, Community Development Director

Community Development Financial Institution

Citizens National Bank holds the prestigious certification as a Community Development Financial Institution (CDFI) designated by the U.S. Department of the Treasury’s CDFI Fund, a distinction shared by fewer than 125 banks nationwide. This certification reflects our commitment to promoting community development and serving low-income areas with vital financial services.

As a CDFI Bank, our focus is fueling economic growth in Mississippi’s underserved communities. We achieve this by financing businesses, creating jobs, aiding neighborhood revitalization, and improving consumer product and service access. Our mission is not just to provide credit and capital but to do so in a way that is accessible and beneficial to those in economically disadvantaged areas.

For more information about Citizens National Bank’s designation as a CDFI, contact Community Development Director Tra Alford or Community Development Officer Tyeisha Smith.

Tra Alford

Community Development Director

NMLS # 1185096

Downtown Banking Centre

601.484.5206

Tyeisha Smith

Community Development Officer

NMLS # 468250

Downtown Banking Centre

601.484.5508

Contact Us

If you are interested in hosting or attending a community workshop or if you have questions about products/services, fill out the form below to have one of our bankers contact you.