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Overview / Commentary
303 North Main Street
Cheboygan, MI 49721

Citizens National Bank of Cheboygan is headquartered in Cheboygan and is the 40th largest bank in the state of Michigan. It is also the 2,173rd largest bank in the nation. It was established in 1931 and as of September of 2017, it had grown to 65 employees at 10 locations. Citizens National Bank of Cheboygan has an A health rating.


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Health Grade Components

FDIC Certificate #5018
Year Established1931
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.51%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$304.5MM$290.7MM
LoansQ3 2017vs Q3 2016$144.2MM$135.0MM
DepositsQ3 2017vs Q3 2016$276.3MM$261.1MM
Equity CapitalQ3 2017vs Q3 2016$23.7MM$24.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.5MM$1.6MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$843.00K$753.00K
Real Estate OwnedQ3 2017vs Q3 2016$206.00K$634.00K
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Citizens National Bank of Cheboygan Savings Account Rates

1.00%*-$5kKasasa Saver
OTHER TIERS: 0.20% $5k+

Citizens National Bank of Cheboygan Checking Account Rates

1.75%*-$5kKasasa Cash
OTHER TIERS: 0.20% $5k+

Citizens National Bank of Cheboygan Locations
Inverness Branch10854 North Straits HighwayCheboygan, MI 49721
Pellston Branch200 Stimpson StreetPellston, MI 49769
Onaway Branch20581 State StreetOnaway, MI 49765
Citizens National Bank Of Cheboygan303 North Main StreetCheboygan, MI 49721
The Indian River Branch3990 Straits HighwayIndian River, MI 49749
Mackinaw Branch580 South NicoletMackinaw City, MI 49701
Alanson Branch8011 S. US 31Alanson, MI 49706
Main Drive-In Branch414 North DivisionCheboygan, MI 49721
Petoskey Branch308 State StPetoskey, MI 49770