Citizens National Bank of Cheboygan: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens National Bank of Cheboygan of Cheboygan, MI against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.74% | 1.35% | -0.61% | 20th bottom |
| ROAE | 16.33% | 13.32% | +3.01% | 73rd above |
| Net Interest Margin | 3.81% | 3.93% | -0.12% | 43rd below |
| Efficiency Ratio | 78.54% | 61.12% | +17.42% | 15th bottom |
| PPNR / Avg Assets | 0.91% | 1.68% | -0.77% | 18th bottom |
| Yield on Earning Assets | 4.30% | 5.67% | -1.37% | 5th bottom |
| Cost of Funds | 0.51% | 1.88% | -1.37% | 98th top |
| Net Interest Spread | 3.51% | 3.32% | +0.19% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 0.94% | +0.58% | 18th bottom |
| NPA / Total Assets | 0.86% | 0.70% | +0.16% | 24th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) | 87.22% | 1546.85% | -1459.63% | 23rd bottom |
| Texas Ratio | 16.27% | 7.33% | +8.94% | 11th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 760.00% | 1395.31% | -635.31% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.29% | 19.49% | -5.20% | 41st below |
| Tier 1 Ratio | 14.29% | 19.52% | -5.23% | 41st below |
| Total Capital Ratio | 15.45% | 20.61% | -5.16% | 42nd below |
| Leverage Ratio | 8.49% | 12.14% | -3.65% | 6th bottom |
| Equity / Assets | 4.56% | 11.37% | -6.81% | 1st bottom |
| TCE / Tangible Assets | 4.56% | 11.09% | -6.53% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.57% | 80.67% | -19.10% | 82nd top |
| Core Deposit Ratio | 96.19% | 86.85% | +9.34% | 90th top |
| Wholesale Funding Ratio | 1.50% | 5.04% | -3.54% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.38% | 6.84% | -6.46% | 22nd bottom |
| Loan Growth (Y/Y) | 9.03% | 7.92% | +1.11% | 70th above |
| Deposit Growth (Y/Y) | -1.29% | 6.29% | -7.58% | 17th bottom |
See Citizens National Bank of Cheboygan's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens National Bank of Cheboygan, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens National Bank of Cheboygan profile, how to read a UBPR, or how this data updates.