Citizens National Bank of Cheboygan

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cnbismybank.com

231-627-7111

303 North Main Street
Cheboygan, MI 49721

Citizens National Bank of Cheboygan is headquartered in CHEBOYGAN and is the 33^rd largest bank in the state of Michigan. It is also the 1,888^th largest bank in the nation. It was established in 1931 and as of March of 2025, it had grown to 85 employees at 10 locations. Citizens National Bank of Cheboygan has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	5018
Year Established	1931
Employees	85
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.64%
Return on Equity - YTD	27.24%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$467.2MM$491MM
Loans	Q1 2025vs Q1 2024	$237.7MM$227.7MM
Deposits	Q1 2025vs Q1 2024	$448.3MM$422MM
Equity Capital	Q1 2025vs Q1 2024	$13MM$6.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.4MM$3.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$109K$439K
Real Estate Owned	Q1 2025vs Q1 2024	$0$572K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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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%^*	$0	$5k	CNB Savings
OTHER TIERS: 0.24% → $5k+

Citizens National Bank of Cheboygan Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.75%^*	$0	$5k	CNB Interest
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 N Main St	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

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