Citizens National Bank of Cheboygan
Overview / Commentary
Citizens National Bank of Cheboygan is headquartered in Cheboygan and is the 43rd largest bank in the state of Michigan. It is also the 2,229th largest bank in the nation. It was established in 1931 and as of December of 2018, it had grown to 76 employees at 10 locations. Citizens National Bank of Cheboygan has a B+ health rating.
Health
B+
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 5018 |
| Year Established | 1931 |
| Employees | 76 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.26% |
| Return on Equity - YTD | -3.41% |
| Annual Interest Income | $10.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $291.5MM$290.0MM |
| Loans | Q4 2018vs Q4 2017 | $151.1MM$139.9MM |
| Deposits | Q4 2018vs Q4 2017 | $263.2MM$262.2MM |
| Equity Capital | Q4 2018vs Q4 2017 | $23.3MM$23.0MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $1.7MM$1.6MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $311.00K$446.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $99.00K$162.00K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Citizens National Bank of Cheboygan Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00%* | - | $5k | Kasasa Saver | ||
| OTHER TIERS: 0.20% → $5k+ | |||||
Citizens National Bank of Cheboygan Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.75%* | - | $5k | Kasasa Cash | ||
| OTHER TIERS: 0.20% → $5k+ | |||||
Locations
| Citizens National Bank of Cheboygan Locations | ||
|---|---|---|
| Inverness Branch | 10854 North Straits Highway | Cheboygan, MI 49721 |
| Pellston Branch | 200 Stimpson Street | Pellston, MI 49769 |
| Onaway Branch | 20581 State Street | Onaway, MI 49765 |
| Citizens National Bank Of Cheboygan | 303 North Main Street | Cheboygan, MI 49721 |
| The Indian River Branch | 3990 Straits Highway | Indian River, MI 49749 |
| Mackinaw Branch | 580 South Nicolet | Mackinaw City, MI 49701 |
| Alanson Branch | 8011 S. US 31 | Alanson, MI 49706 |
| Main Drive-In Branch | 414 North Division | Cheboygan, MI 49721 |
| Petoskey Branch | 308 State St | Petoskey, MI 49770 |