Bank call report · Cheboygan, MI
Citizens National Bank of Cheboygan Call Report
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Citizens National Bank of Cheboygan filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 327 reported line items, schedule by schedule (737 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 773742 |
| FDIC certificate number | 5018 |
| Total assets | $471.0M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens National Bank of Cheboygan call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · Citizens National Bank of Cheboygan balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $471.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $471.0M |
| Total Liabilities and Minority Interest | RCON2948 | $449.5M |
| Total Deposits | RCON2200 | $435.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $276.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $264.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $260.5M |
| Deposits: Noninterest-bearing | RCON6631 | $159.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $157.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $33.8M |
| Total Equity Capital | RCON3210 | $21.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $21.5M |
| Other Assets | RCON2160 | $19.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$18.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $10.7M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $7.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $6.9M |
| Other Liabilities, Total | RCON2930 | $6.6M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $5.0M |
| Held-to-maturity Securities, Total | RCON1754 | $5.0M |
| Interest-bearing Balances | RCON0071 | $4.4M |
| Loans and Leases Held for Sale | RCON5369 | $4.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.5M |
| Common Stock | RCON3230 | $3.0M |
| Surplus | RCON3839 | $3.0M |
| Intangible Assets | RCON2143 | $1.2M |
| Federal Funds Sold | RCONB987 | $1.1M |
Schedule RI: Income Statement (43 items)
About Schedule RI · Citizens National Bank of Cheboygan income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $9.8M |
| Net Interest Income | RIAD4074 | $8.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $8.0M |
| Total Noninterest Expense | RIAD4093 | $7.9M |
| Salaries and Employee Benefits | RIAD4135 | $4.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.2M |
| Other Noninterest Expense | RIAD4092 | $2.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.7M |
| Net Income (Loss) | RIAD4340 | $1.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.7M |
| Total Noninterest Income | RIAD4079 | $1.3M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.1M |
| Total Interest Expense | RIAD4073 | $1.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $869K |
| Other Noninterest Income | RIADB497 | $612K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $532K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $411K |
| Applicable Income Taxes | RIAD4302 | $386K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $304K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $268K |
| Net Servicing Fees | RIADB492 | $194K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $135K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $131K |
| Interest on Other Securities | RIAD4060 | $123K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $120K |
| Other Interest Income | RIAD4518 | $116K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $112K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $111K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $82K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $72K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $72K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $55K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $46K |
| Provision for Loan and Lease Losses | RIAD4230 | $38K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $38K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $21K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $20K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 91 |
Schedule RC-B: Securities (27 items)
About Schedule RC-B · Citizens National Bank of Cheboygan securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $11.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $9.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $180.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $142.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $121.6M |
| Pledged Securities | RCON0416 | $96.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $63.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $57.3M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $22.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $22.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $18.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $15.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $5.6M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $5.0M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $5.0M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $5.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $4.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $4.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $3.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $701K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $268K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $18K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · Citizens National Bank of Cheboygan loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $268.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $106.6M |
| Pledged Loans and Leases | RCONG378 | $90.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $80.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $53.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $41.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $36.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $35.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $32.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $24.1M |
| Commercial and Industrial Loans | RCON1766 | $22.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $21.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $20.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $16.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $15.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $12.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $11.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $9.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $8.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $7.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $6.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $6.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $6.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.4M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $3.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $543K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $524K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $357K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $255K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $142K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $124K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $124K |
| Unearned Income on Loans | RCON2123 | $5K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $20.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $10.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $769K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 165 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 59 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 48 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 41 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 39 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 18 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Citizens National Bank of Cheboygan deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $229.2M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $206.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $177.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $169.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $160.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $87.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $64.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $49.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $37.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $32.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $21.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $20.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $16.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $16.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $14.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $11.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $9.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $4.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.3M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $1.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $911K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $563K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $6.2M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.5M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.5M |
| Accrued Interest Receivable | RCONB556 | $1.5M |
| Other Assets | RCON2168 | $1.5M |
| Prepaid Expenses | RCON2166 | $1.5M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $4.5M |
| All Other Liabilities | RCON2938 | $1.9M |
| Deferred Compensation Liabilities | RCONC011 | $1.9M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $196K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $71K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Citizens National Bank of Cheboygan quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $468.1M |
| Quarterly Average of Total Loans | RCON3360 | $263.8M |
| Mortgage-backed Securities | RCONB559 | $156.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $144.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $123.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $100.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $77.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $37.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $24.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $22.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $19.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $12.8M |
| All Other Securities | RCONB560 | $8.9M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $8.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $6.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $242K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Citizens National Bank of Cheboygan derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $25.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $12.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $11.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.8M |
| Unused Commitments - Credit Card Lines | RCON3815 | $1.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $89K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Citizens National Bank of Cheboygan memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Secured Liabilites: Amount of 'Federal Funds Purchased' That Are Secured | RCONF064 | $7.1M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $1.7M |
| Mortgage Servicing Assets | RCON3164 | $1.2M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $569K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (9 items)
About Schedule RC-N · Citizens National Bank of Cheboygan past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $3.9M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $3.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $467K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $184K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $177K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $99K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $7K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $2K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Citizens National Bank of Cheboygan other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $468.1M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $435.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $255.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $176.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $39.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 18,482 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 275 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 250 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens National Bank of Cheboygan regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · Citizens National Bank of Cheboygan regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $468.1M |
| Average total consolidated assets | RCOAKW03 | $468.1M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $278.3M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $43.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $39.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $39.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $39.8M |
| Retained Earnings | RCOAKW00 | $33.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $21.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$18.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$18.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $6.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.2M |
| Tier 2 Capital Deductions | RCOAP872 | $261K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1545 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1429 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1429 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0849 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0745 |
Schedule RC-R, Part II: Risk-Weighted Assets (60 items)
About Schedule RC-R, Part II · Citizens National Bank of Cheboygan risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $278.8M |
| Total Risk-weighted Assets | RCONG641 | $278.3M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $184.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $184.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $160.6M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $157.0M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $133.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $127.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $126.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $122.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $122.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $116.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $116.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $112.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $97.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $91.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $91.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $82.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $61.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $40.6M |
| Total All Other Assets | RCOND981 | $31.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$26.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $25.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $23.2M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$23.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $20.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $20.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $18.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $11.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $7.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $7.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $6.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $6.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $5.9M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $5.0M |
| Total Held-to-maturity Securities | RCOND961 | $5.0M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $4.2M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $4.2M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $3.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $3.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $3.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $3.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $3.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $3.2M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $3.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $1.5M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $1.5M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $1.2M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $1.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $1.2M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $1.1M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $1.1M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $606K |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $304K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $89K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $89K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $89K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $83K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $21.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $20.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $20.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $605K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | -$200K |
| Other Comprehensive Income | RIADB511 | -$49K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Citizens National Bank of Cheboygan charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $15K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $15K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $10K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $8K |
| Recoveries on Automobile Loans | RIADK133 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Citizens National Bank of Cheboygan changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $15K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | -$200K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $153.2M |
Citizens National Bank of Cheboygan call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens National Bank of Cheboygan call report?
The Citizens National Bank of Cheboygan call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens National Bank of Cheboygan file?
Citizens National Bank of Cheboygan files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens National Bank of Cheboygan call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens National Bank of Cheboygan has Federal Reserve RSSD ID 773742 and FDIC certificate number 5018. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens National Bank of Cheboygan file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens National Bank of Cheboygan financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 5018) · FFIEC NIC profile (RSSD 773742)