CITIZENS NATIONAL BANK OF CHEBOYGAN

CHEBOYGAN, MI | Small | Est. Jan. 24, 1931, midnight | FDIC #5018 | RSSD #773742 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF CHEBOYGAN is asn small FDIC-insured commercial bank headquartered in CHEBOYGAN, MI, established in Jan. 24, 1931, midnight. As of 2025-12-31, the bank reported total assets of $471M and total deposits of $422M. Profitability stands at 0.92% ROA and 22.84% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 14.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.52% and a Texas Ratio of 16.36%. FDIC Certificate #5018.

Assets

$471M

Deposits

$422M

Loans

$259M

Equity

$21M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 22.84%
Net Interest Margin (NIM) 3.95%
Yield on Assets 4.45%
Cost of Funds 0.49%

Asset Quality

NPL Ratio 1.52%
Net Charge-Off Ratio 0.01%
Texas Ratio 16.36%
NPA Ratio 0.84%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 14.32%
Tier 1 Capital 14.32%
Total Capital Ratio 15.57%
Leverage Ratio 8.23%
Loan-to-Deposit 61.42%

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