The Citizens National Bank of Park Rapids

Overview / Commentary

www.cnbbank.com

800-362-6308

300 West First Street
Park Rapids, MN 56470

The Citizens National Bank of Park Rapids is headquartered in Park Rapids and is the 66^th largest bank in the state of Minnesota. It is also the 2,390^th largest bank in the nation. It was established in 1933 and as of June of 2019, it had grown to 49 employees at 1 location. The Citizens National Bank of Park Rapids' money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	5223
Year Established	1933
Employees	49
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.61%
Return on Equity - YTD	14.58%
Annual Interest Income	$6.0MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$267.0MM$276.5MM
Loans	Q2 2019vs Q2 2018	$218.6MM$218.3MM
Deposits	Q2 2019vs Q2 2018	$234.3MM$245.3MM
Equity Capital	Q2 2019vs Q2 2018	$29.0MM$26.7MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$2.9MM$2.6MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$1.2MM$1.8MM
Real Estate Owned	Q2 2019vs Q2 2018	$104.00K$64.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Citizens National Bank of Park Rapids Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$25	-	Education IRA
0.15%	$10	-	Christmas Savings Account
0.15%	$10	-	Statement Savings Account

The Citizens National Bank of Park Rapids Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.35%^*	$150k^*	$1m	Money Market Account
OTHER TIERS: 0.15% → Up to $1k \| 0.25% → $1k - $25k \| 0.50% → $25k - $50k \| 1.00% → $50k - $150k

The Citizens National Bank of Park Rapids Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	Hometown Interest Checking Account

The Citizens National Bank of Park Rapids CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$25	-	Graduate CD
2.41%	$10k	-	60 Month CD
1.96%	$10k	-	36 Month Step up Rate CD
1.76%	$500	-	30 Month CD
1.56%	$500	-	18 Month CD
1.56%	$500	-	24 Month CD
1.46%	$500	-	12 Month CD
0.85%	$500	-	9 Month CD
0.75%	$1k	-	6 Month CD
0.50%	$1k	-	3 Month CD

The Citizens National Bank of Park Rapids IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.76%	$25	-	1 Year Fixed Rate IRA
1.51%	$25	-	2 Year Variable Rate IRA

Locations

The Citizens National Bank of Park Rapids Locations
The Citizens National Bank Of Park Rapids	300 West First Street	Park Rapids, MN 56470

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