The Citizens National Bank of Park Rapids: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 48.89 percentage points higher than in Q1 2026, at 364.88%. The Citizens National Bank of Park Rapids ranks 60th of 221 Minnesota banks on return on assets, in the upper half at 1.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Citizens National Bank of Park Rapids sits 0.50 points higher, at 1.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.70% |
| Equity capital to assets | 11.43% |
| Tangible equity to tangible assets | 11.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 6.83% |
| Allowance for credit losses to loans | 1.61% |
| Reserve coverage of non-performing loans | 364.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 15.16% |
| Net interest margin | 4.39% |
| Efficiency ratio | 52.33% |
| Yield on earning assets | 6.20% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.86% |
| Core deposits to total deposits | 86.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.67% |
| Securities to assets | 18.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.91% | 1.33% | 3.47% | 0.23% | -0.05% |
| Q4 2023 | 11.25% | 1.22% | 3.46% | 0.21% | 0.09% |
| Q1 2024 | 11.87% | 1.40% | 3.46% | 0.12% | 0.08% |
| Q2 2024 | 11.44% | 1.41% | 3.74% | 0.13% | -0.09% |
| Q3 2024 | 11.53% | 1.65% | 3.82% | 0.19% | -0.02% |
| Q4 2024 | 11.67% | 1.41% | 3.85% | 0.22% | 0.18% |
| Q1 2025 | 12.07% | 1.72% | 3.84% | 0.24% | -0.02% |
| Q2 2025 | 11.56% | 1.61% | 4.10% | 0.22% | 0.03% |
| Q3 2025 | 11.65% | 2.13% | 4.33% | 0.53% | -0.03% |
| Q4 2025 | 11.84% | 1.56% | 4.43% | 0.34% | 0.28% |
| Q1 2026 | 12.28% | 2.09% | 4.31% | 0.53% | -0.00% |
| Q2 2026 | 11.70% | 1.75% | 4.39% | 0.44% | 0.09% |
The Citizens National Bank of Park Rapids vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Park Rapids, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 The Citizens National Bank of Park Rapids profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5223) · FFIEC NIC profile (RSSD 877752)