Citizens National Bank of Cheboygan

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 38^th largest bank in the state of Michigan. It is also the 1,959^th largest bank in the nation. It was established in 1931 and as of December of 2020, it had grown to 87 employees at 10 locations. Citizens National Bank of Cheboygan has an A health rating.

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Health

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	5018
Year Established	1931
Employees	87
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.79%
Return on Equity - YTD	9.88%
Annual Interest Income	$11.4MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$398.8MM$311.2MM
Loans	Q4 2020vs Q4 2019	$172.8MM$160.8MM
Deposits	Q4 2020vs Q4 2019	$364.0MM$279.6MM
Equity Capital	Q4 2020vs Q4 2019	$29.6MM$26.6MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$3.0MM$1.7MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$526.00K$632.00K
Real Estate Owned	Q4 2020vs Q4 2019	$0$124.00K

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%^*	-	$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

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

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