Citizens National Bank of Cheboygan: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 203.6% higher than in Q1 2026, at $4.2M. Citizens National Bank of Cheboygan ranks 61st of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 61.57% (Q2 2026). Citizens National Bank of Cheboygan reported 61.57% on loan-to-deposit ratio for Q2 2026, 19.27 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $268.3M |
| Net loans and leases | $264.8M |
| Loans held for sale | $4.2M |
| Loans to total assets | 56.97% |
| Loan-to-deposit ratio | 61.57% |
| Net loans to equity capital | 12.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.34% |
| Multifamily (5+ residential) | 4.38% |
| Commercial and industrial | 8.27% |
| Consumer | 5.24% |
| Credit cards | 0.10% |
| Farm | 0.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.64% |
| Construction concentration (Tier 1 capital + allowance) | 35.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.22% |
| Interest income on loans | $4.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $227.1M | $464.1M | 34.99% | 7.36% | 5.15% |
| Q4 2023 | $230.3M | $415.6M | 34.37% | 7.42% | 5.09% |
| Q1 2024 | $231.2M | $422.0M | 34.38% | 8.03% | 5.09% |
| Q2 2024 | $238.7M | $412.2M | 32.93% | 7.51% | 5.27% |
| Q3 2024 | $241.4M | $460.9M | 33.36% | 6.94% | 5.25% |
| Q4 2024 | $239.8M | $426.0M | 32.91% | 6.96% | 5.27% |
| Q1 2025 | $241.1M | $448.3M | 32.34% | 7.35% | 5.20% |
| Q2 2025 | $246.1M | $441.5M | 30.98% | 7.89% | 5.43% |
| Q3 2025 | $255.6M | $468.3M | 29.87% | 8.40% | 5.18% |
| Q4 2025 | $259.4M | $422.3M | 29.25% | 8.09% | 5.10% |
| Q1 2026 | $258.5M | $435.2M | 28.56% | 8.16% | 4.94% |
| Q2 2026 | $268.3M | $435.8M | 28.34% | 8.27% | 5.24% |
Citizens National Bank of Cheboygan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Cheboygan, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens National Bank of Cheboygan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5018) · FFIEC NIC profile (RSSD 773742)