$464M
−0.7%y/y
Percentile by value41st percentileby value
FDIC
ASSETCB
Citizens National Bank of Cheboygan
Cheboygan, MichiganFDIC Cert #5018
OCCEstablished 193110 branches
Holding company: CNB CORPRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCitizens National Bank of Cheboygan reported $464M in total assets. Deposits declined 2.91% over the prior year.
Return on assets was 0.73%, compared with an asset-peer median of 1.22%. The leverage ratio was 8.25%.
- Why is Efficiency Ratio above asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$435M
−2.9%y/y
Percentile by value50th percentileby value
FDIC
DEP$255M
+7.3%y/y
Percentile by value27th percentileby value
FDIC
LNLSNET0.73%
+9 bpsy/y
Peer standing21st percentile
FDIC
NETINC + ROA78.31%
−99 bpsy/y
Peer standing15th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.25%
+70 bpsy/y
Peer standing3rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $449M | $414M |
| Q3 2021 | $488M | $453M |
| Q4 2021 | $492M | $458M |
| Q1 2022 | $500M | $482M |
| Q2 2022 | $488M | $469M |
| Q3 2022 | $520M | $516M |
| Q4 2022 | $484M | $477M |
| Q1 2023 | $481M | $473M |
| Q2 2023 | $491M | $451M |
| Q3 2023 | $497M | $464M |
| Q4 2023 | $486M | $416M |
| Q1 2024 | $491M | $422M |
| Q2 2024 | $483M | $412M |
| Q3 2024 | $515M | $461M |
| Q4 2024 | $477M | $426M |
| Q1 2025 | $467M | $448M |
| Q2 2025 | $469M | $441M |
| Q3 2025 | $493M | $468M |
| Q4 2025 | $471M | $422M |
| Q1 2026 | $464M | $435M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $34.9M |
| Investor CRE | $39M |
| Multifamily | $11.6M |
| Construction | $16.1M |
| 1–4 family | $120M |
| C&I | $21.1M |
| Agriculture | $549K |
| Other | $15.6M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.73%21st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE16.54%75th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.00%59th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.31%15th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−2.91%9th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+7.28%59th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.53%16th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ8.25%3rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.72%99th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC159%46th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.73%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.20%90th 2.05%Observations 74
ROE
FDIC
NETINC + ROE16.54%84th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.07%Median 11.62%90th 20.23%Observations 74
NIM
FDIC
NIM + NIMY4.00%49th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.19%Median 4.01%90th 4.82%Observations 74
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.31%23rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.32%Median 65.83%90th 84.30%Observations 74
Deposits YoY
FDIC
DEP−2.91%4th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.40%Median +2.76%90th +16.75%Observations 72
Loans YoY
FDIC
LNLSNET+7.28%49th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.75%Median +7.31%90th +23.45%Observations 71
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.53%13th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.52%90th 1.58%Observations 71
Leverage
FDIC
RBC1AAJ8.25%4th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.66%Median 10.18%90th 14.60%Observations 74
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.72%99th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.16%Median 2.11%90th 3.32%Observations 72
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC159%54th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 51%Median 153%90th 289%Observations 47
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.73%28th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.63%Median 1.29%90th 1.98%Observations 30
ROE
FDIC
NETINC + ROE16.54%76th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.89%Median 11.82%90th 19.36%Observations 30
NIM
FDIC
NIM + NIMY4.00%38th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.27%Median 4.18%90th 4.83%Observations 30
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.31%14th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.80%Median 63.02%90th 78.58%Observations 30
Deposits YoY
FDIC
DEP−2.91%3rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.83%Median +2.50%90th +8.01%Observations 30
Loans YoY
FDIC
LNLSNET+7.28%41st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.91%Median +8.87%90th +16.93%Observations 30
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.53%7th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.45%90th 1.41%Observations 30
Leverage
FDIC
RBC1AAJ8.25%3rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.52%Median 9.93%90th 12.87%Observations 30
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.72%97th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.31%Median 1.91%90th 3.13%Observations 30
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC159%57th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 73%Median 151%90th 317%Observations 22
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 10 branches
- Headquarters
- Cheboygan, MI
FDIC
OFFDOMOpen the Michigan dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data