Citizens National Bank of Cheboygan

Overview / Commentary
303 North Main Street
Cheboygan, MI 49721

Citizens National Bank of Cheboygan is headquartered in Cheboygan and is the 32nd largest bank in the state of Michigan. It is also the 1,769th largest bank in the nation. It was established in 1931 and as of June of 2022, it had grown to 82 employees at 10 locations. Citizens National Bank of Cheboygan has a B+ health rating.


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Health Grade Components

FDIC Certificate #5018
Year Established1931
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD16.57%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$488.4MM$448.8MM
LoansQ2 2022vs Q2 2021$192.3MM$172.1MM
DepositsQ2 2022vs Q2 2021$469.3MM$413.8MM
Equity CapitalQ2 2022vs Q2 2021$4.1MM$28.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.8MM$3.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$261.00K$138.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$138.00K
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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

1.00%*-$5kCNB Savings
OTHER TIERS: 0.24% $5k+

Citizens National Bank of Cheboygan Checking Account Rates

1.75%*-$5kCNB Interest
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 N Main StCheboygan, 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

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