Bank Comparison
Citizens National Bank of Cheboygan vs Auto Club Trust, FSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens National Bank of Cheboygan | Auto Club Trust, FSB |
|---|---|---|
| CET1 Ratio | 14.36% | 17.94% |
| Tier 1 Capital Ratio | 14.36% | 17.94% |
| Total Capital Ratio | 15.49% | 19.13% |
| Tier 1 Leverage Ratio | 8.25% | 9.80% |
| Equity / Assets | 4.46% | 6.90% |
Profitability
| Metric | Citizens National Bank of Cheboygan | Auto Club Trust, FSB |
|---|---|---|
| Return on Assets (ROA) | 0.72% | -0.74% |
| Return on Equity (ROE) | 16.54% | -12.02% |
| Net Interest Margin (NIM) | 3.72% | 1.36% |
| Yield on Earning Assets | 4.16% | 4.59% |
| Cost of Funds | 0.46% | 3.68% |
Asset quality
| Metric | Citizens National Bank of Cheboygan | Auto Club Trust, FSB |
|---|---|---|
| Texas Ratio | 16.79% | 10.77% |
| Non-Performing Loan Ratio | 1.57% | 0.94% |
| Non-Performing Asset Ratio | 0.88% | 0.51% |
| Net Charge-Off Ratio | 0.01% | 0.57% |
| ACL / Loans | 1.37% | 1.35% |
Balance sheet
| Metric | Citizens National Bank of Cheboygan | Auto Club Trust, FSB |
|---|---|---|
| Total Assets | $463,876K | $466,093K |
| Total Deposits | $435,232K | $339,070K |
| Total Loans | $258,539K | $242,018K |
| Total Equity | $20,709K | $32,172K |
| Net Income (quarter) | $854 | $-937 |
Liquidity & funding
| Metric | Citizens National Bank of Cheboygan | Auto Club Trust, FSB |
|---|---|---|
| Loan-to-Deposit Ratio | 59.40% | 71.38% |
| Core Deposit Ratio | 94.84% | 85.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank of Cheboygan | Auto Club Trust, FSB |
|---|---|---|
| Headquarters City | CHEBOYGAN | Dearborn |
| Headquarters State | MI | MI |
| Asset Tier | Small | Small |
| Charter Class | 13522 | 715850 |
| Regulator | OCC | OCC |
| Domestic Branches | 10 | 1 |
| Employees (FTE) | 89 | 65 |
| Established | Jan. 24, 1931, midnight | Nov. 30, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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