0.73%
+14.0%y/y
Peer standing21st percentile
FDIC
NETINC + ROACB
Citizens National Bank of Cheboygan
Cheboygan, MichiganFDIC Cert #5018
OCCEstablished 193110 branches
Holding company: CNB CORPRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
16.54%
−39.3%y/y
Peer standing75th percentile
FDIC
NETINC + ROE0.90%
+14.2%y/y
Peer standing20th percentile
FDIC
PTAXNETINC + ASSET4.00%
+11.1%y/y
Peer standing59th percentile
FDIC
NIM + NIMY4.48%
+3.2%y/y
Peer standing6th percentile
FDIC
INTINCY0.72%
−31.7%y/y
Peer standing99th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
78.31%
−1.2%y/y
Peer standing15th percentile
FDIC
NONIX + NIM + NONII + EEFFR3.31%
+9.1%y/y
Peer standing15th percentile
FDIC
NONIX + ASSET12.80%
−6.3%y/y
Percentile by value62nd percentileby value
FDIC
NONII + NIM−0.71%
+85.4%y/y
Percentile by value14th percentileby value
FDIC
ASSET−2.91%
−146.8%y/y
Percentile by value9th percentileby value
FDIC
DEP+7.28%
+65.3%y/y
Percentile by value59th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
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.