Citizens National Bank of Park Rapids, the
Citizens National Bank of Park Rapids, the is a locally rooted FDIC-insured community bank based in Park Rapids, MN. As of Q1 2026, the bank held approximately $380M in total assets and $331M in deposits. Profitability is strong — 2.09% ROA, paired with 17.38% ROE and a 4.31% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.28% exceeds the 9% CBLR threshold. Asset quality is solid — 0.53% nonperforming loans and a 4.15% Texas Ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 300 1st St W, PARK RAPIDS, MN 56470
- County
- Hubbard
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 11
- Established
- January 1, 1933
- Branches
- 1 domestic
- Employees (FTE)
- 50
- FDIC Cert
- 5223
- Fed RSSD
- 877752
- Website
- www.cnbbank.com →
- Parent Holding Company
- PARK RAPIDS BANCSHARES, INC. (RSSD 1124613)
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Citizens National Bank of Park Rapids, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Citizens National Bank of Park Rapids, the
What are Citizens National Bank of Park Rapids, the's total assets?
As of the Q1 2026 filing, Citizens National Bank of Park Rapids, the reported total assets of $380.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens National Bank of Park Rapids, the headquartered?
Citizens National Bank of Park Rapids, the is headquartered in PARK RAPIDS, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens National Bank of Park Rapids, the founded?
Citizens National Bank of Park Rapids, the was established in 1933, per the FDIC institution directory.
Is Citizens National Bank of Park Rapids, the FDIC-insured?
Yes. Citizens National Bank of Park Rapids, the is an FDIC-insured commercial bank (FDIC Certificate #5223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens National Bank of Park Rapids, the?
Citizens National Bank of Park Rapids, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Citizens National Bank of Park Rapids, the operate?
Citizens National Bank of Park Rapids, the operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Citizens National Bank of Park Rapids, the's Texas Ratio?
Citizens National Bank of Park Rapids, the's Texas Ratio is 4.15% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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