Citizens National Bank of Cheboygan
Cheboygan, MI · Cert 5018 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CNB Corp.
National charter · OCC · 10 branches
Q2 2026
$471.0MAssets
$268.3MLoans
$435.8MDeposits
$21.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets operating in a single state (rank 97 of 746).
- Widest gap: equity / assets trails 99% of banks under $1B in assets operating in a single state (rank 740 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.73%
Rank 554 of 746
Net Interest Margin
3.71%
Rank 358 of 746
Efficiency Ratio
78.63%
Rank 600 of 746
Equity / Assets
4.56%
Rank 740 of 746
Non-interest income vs. expense
Unfavorable gap of $13.1M · efficiency ratio beats 20% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.72% | 1.06% | 1.45% | Beats 26% | 554 / 746 | |
| Return on Equity | 15.98% | 6.74% | 10.51% | 13.63% | Beats 87% | 97 / 746 | |
| Net Interest Margin | 3.71% | 3.17% | 3.68% | 4.16% | Beats 52% | 358 / 746 | |
| Efficiency Ratio | 78.63% | 55.74% | 64.58% | 75.47% | Beats 20% | 600 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.09% | 0.42% | 1.07% | Beats 17% | 615 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 323 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.29% | 11.55% | 13.75% | 17.60% | Beats 55% | 339 / 746 | |
| Total Risk-Based Capital Ratio | 15.45% | 11.71% | 14.33% | 18.43% | Beats 59% | 306 / 746 | |
| Equity / Assets | 4.56% | 8.90% | 10.51% | 13.06% | Beats 1% | 740 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 61.57% | 61.31% | 78.27% | 90.78% | 25th pctl | 559 / 746 | |
| Loans / Assets | 56.97% | 53.60% | 66.97% | 76.08% | 31st pctl | 517 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |