Bank call report · Park Rapids, MN
The Citizens National Bank of Park Rapids Call Report
BankRegReports is independent of The Citizens National Bank of Park Rapids and never asks for online banking logins or passwords.
The Citizens National Bank of Park Rapids filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 297 reported line items, schedule by schedule (396 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 | 877752 |
| FDIC certificate number | 5223 |
| Total assets | $397.0M |
Official Q2 2026 call report PDF (FFIEC) →
The Citizens National Bank of Park Rapids 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 (23 items)
About Schedule RC · The Citizens National Bank of Park Rapids balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $397.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $397.0M |
| Total Liabilities and Minority Interest | RCON2948 | $351.6M |
| Total Deposits | RCON2200 | $348.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $312.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $307.7M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $291.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $71.5M |
| Deposits: Noninterest-bearing | RCON6631 | $56.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $45.7M |
| Total Equity Capital | RCON3210 | $45.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $45.4M |
| Other Assets | RCON2160 | $9.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.5M |
| Other Liabilities, Total | RCON2930 | $3.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.9M |
| Interest-bearing Balances | RCON0071 | $1.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$735K |
| Surplus | RCON3839 | $230K |
| Other Borrowed Money | RCON3190 | $194K |
| Common Stock | RCON3230 | $120K |
| Intangible Assets | RCON2143 | $51K |
Schedule RI: Income Statement (43 items)
About Schedule RI · The Citizens National Bank of Park Rapids income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $11.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.0M |
| Net Interest Income | RIAD4074 | $8.0M |
| Total Noninterest Expense | RIAD4093 | $4.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $4.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.0M |
| 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 | $4.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.7M |
| Net Income (Loss) | RIAD4340 | $3.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.7M |
| Total Interest Expense | RIAD4073 | $3.3M |
| Salaries and Employee Benefits | RIAD4135 | $3.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $1.0M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $870K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $829K |
| Total Noninterest Income | RIAD4079 | $746K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $527K |
| 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 | $477K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $444K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $330K |
| Applicable Income Taxes | RIAD4302 | $328K |
| Other Noninterest Income | RIADB497 | $318K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $292K |
| Provision for Loan and Lease Losses | RIAD4230 | $210K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $210K |
| Other Interest Income | RIAD4518 | $170K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $119K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $90K |
| Interest on Other Securities | RIAD4060 | $76K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $75K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $50K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $34K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $20K |
| Noninterest income: Income from insurance activities | RIADHT74 | $18K |
| Income from Lease Financing Receivables | RIAD4065 | $8K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $7K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $4K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 49 |
Schedule RC-B: Securities (28 items)
About Schedule RC-B · The Citizens National Bank of Park Rapids 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 | $1.1M |
| 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 | $959K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $72.2M |
| Pledged Securities | RCON0416 | $69.8M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $61.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $60.7M |
| 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 | $28.5M |
| 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 | $18.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $15.9M |
| 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 | $12.5M |
| 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 Five Years Through Fifteen Years | RCONA553 | $3.5M |
| 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 Three Months of Less | RCONA549 | $3.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $2.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $2.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $2.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $2.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $2.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $2.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $2.0M |
| 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 of Over Ffteen Years | RCONA554 | $1.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $1.8M |
| 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 | $1.5M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $987K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $959K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $954K |
| 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 | $201K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $99K |
| 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 | $2K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · The Citizens National Bank of Park Rapids loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $312.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $109.9M |
| 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 Over Three Years Through Five Years | RCONA573 | $77.3M |
| Pledged Loans and Leases | RCONG378 | $71.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $66.5M |
| 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 | $51.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $46.4M |
| 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 | $44.3M |
| 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 Months Through 12 Months | RCONA571 | $34.9M |
| 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 | $30.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $23.8M |
| Commercial and Industrial Loans | RCON1766 | $23.7M |
| 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 Three Months or Less | RCONA570 | $23.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $19.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $17.9M |
| 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 | $15.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $14.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $13.6M |
| 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 | $13.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $12.7M |
| 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 | $10.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $8.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $7.0M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $6.6M |
| 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 | $5.9M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $5.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $4.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $3.4M |
| 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 15 Years | RCONA569 | $2.6M |
| 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 | $2.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $1.6M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $334K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $208K |
| Other Loans | RCONJ464 | $65K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $24K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 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 | $32.7M |
| 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 | $9.8M |
| 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 | $5.9M |
| 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 | $3.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $2.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $718K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $692K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $691K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $605K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 96 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 77 |
| 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 $100,000 Through $250,000 | RCON5572 | 30 |
| 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 | 29 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 22 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 19 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 19 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 13 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 12 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 9 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 9 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · The Citizens National Bank of Park Rapids deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $257.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $209.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $100.4M |
| Total Transaction Accounts | RCON2215 | $90.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $79.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $66.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $56.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $48.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $48.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $46.0M |
| 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 | $44.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $40.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $34.0M |
| 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 | $29.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $28.9M |
| 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 | $20.8M |
| 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 | $20.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $18.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $11.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $8.1M |
| 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 | $7.2M |
| 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 | $5.2M |
| 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 | $1.4M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $2K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.3M |
| Accrued Interest Receivable | RCONB556 | $3.1M |
| Other Assets | RCON2168 | $867K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $662K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $253K |
| Prepaid Expenses | RCON2166 | $205K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $2.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $764K |
| All Other Liabilities | RCON2938 | $241K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $188K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $145K |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · The Citizens National Bank of Park Rapids quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $393.7M |
| Quarterly Average of Total Loans | RCON3360 | $298.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $132.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $129.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $121.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $79.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $59.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $46.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $30.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $23.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $13.1M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $11.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $9.0M |
| Mortgage-backed Securities | RCONB559 | $5.7M |
| All Other Securities | RCONB560 | $4.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $1.5M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $348K |
| Quarterly Average of Other Borrowed Money | RCON3355 | $181K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $35K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · The Citizens National Bank of Park Rapids 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 | $16.5M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $11.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $8.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $7.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $6.7M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $4.6M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $4.6M |
| Unused Commitments - Credit Card Lines | RCON3815 | $4.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $428K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · The Citizens National Bank of Park Rapids memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.7M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCONF062 | $67K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $64K |
| All other intangible assets | RCONJF76 | $51K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $32K |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $32K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $31K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · The Citizens National Bank of Park Rapids past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $2.1M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $1.5M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.4M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $710K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $671K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $557K |
| Additions to Nonaccrual Assets | RCONC410 | $476K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $230K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $230K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $91K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $51K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $31K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $27K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $27K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $16K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $11K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $2K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (16 items)
About Schedule RC-O · The Citizens National Bank of Park Rapids other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of One Year or Less | RCONG465 | $32K |
| Unsecured Other Borrowings with a Remaining Maturity of Over One Year Through Three Years | RCONG466 | $64K |
| Unsecured Other Borrowings with a Remaining Maturity of Over Three Years Through Five Years | RCONG467 | $67K |
| Unsecured Other Borrowings with a Remaining Maturity of Over Five Years | RCONG468 | $31K |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $393.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $348.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $192.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $138.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $46.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $14.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 12,907 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 462 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 165 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 11 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The Citizens National Bank of Park Rapids regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $397.0M |
| Average total consolidated assets | RCOAKW03 | $393.7M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $393.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $46.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $46.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $46.0M |
| Retained Earnings | RCOAKW00 | $45.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $45.4M |
| Unconditionally Cancellable Commitments | RCOAS540 | $33.7M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $21.9M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $21.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$735K |
| 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 | -$735K |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $428K |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $350K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $51K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $51K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.117 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0551 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $45.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $45.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $45.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.0M |
| Other Comprehensive Income | RIADB511 | -$540K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · The Citizens National Bank of Park Rapids charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $72K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $47K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $18K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $9K |
| Recoveries on Automobile Loans | RIADK133 | $8K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $6K |
| Charge-offs on Automobile Loans | RIADK129 | $1K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The Citizens National Bank of Park Rapids changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $5.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $72K |
The Citizens National Bank of Park Rapids 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 The Citizens National Bank of Park Rapids call report?
The The Citizens National Bank of Park Rapids 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 The Citizens National Bank of Park Rapids file?
The Citizens National Bank of Park Rapids 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 The Citizens National Bank of Park Rapids call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Citizens National Bank of Park Rapids has Federal Reserve RSSD ID 877752 and FDIC certificate number 5223. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Citizens National Bank of Park Rapids 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.
The Citizens National Bank of Park Rapids 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 5223) · FFIEC NIC profile (RSSD 877752)