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Citizens National Bank of Cheboygan

$100M-$1B Specialty: Commercial MI FDIC cert 5018

Cheboygan, MI

10 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits -1.3% year over year ($435.8M on the books).
  • Delinquency rate 1.49%.
  • Return on assets 0.73%.
  • Efficiency ratio 78.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 60.75% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

Citizens National Bank of Cheboygan has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 14.60% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 21.2% in tier
  • - ROA 0.59% below tier average
  • - Efficiency Ratio 14.15% above tier average
  • - Delinquency Rate 0.57% above tier average
Get updates when Citizens National Bank of Cheboygan releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $471.0M
+0.4% YoY +1.5% QoQ
+$84.4M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $264.8M
+9.1% YoY +3.8% QoQ
+$6.4M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $435.8M
-1.3% YoY +0.1% QoQ
+$109.1M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 0.73%
+9.4% YoY +0.2% QoQ
-0.59% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 4.03%
+11.2% YoY +0.7% QoQ
+0.05% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 78.63%
+0.5% YoY +0.4% QoQ
+14.15% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
15%
Delinquency Rate ? 1.49%
-3.6% QoQ
+0.57% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 60.75%
+10.5% YoY +3.7% QoQ
-17.20% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 36.63%
+2.7% YoY +6.6% QoQ
+14.60% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 7.7% in tier
Nonperforming Asset Ratio ? 0.84%
-1.5% QoQ
+0.17% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 14.29%
+1.4% YoY -0.5% QoQ
-1.62% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.28%
+4.4% YoY +105.9% QoQ
-0.29% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Noninterest-Bearing 36.6%
+0.9pp YoY
+2.3pp QoQ
 +14.5pp 22.1% 25.9% 22.2% 92%
Brokered Deposits n/a n/a 7.9% 12.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 8.4%
+0.4pp YoY
+0.1pp QoQ
 -3.2pp 11.6% 12.8% 12.5% 43%
CRE 38.9%
-2.8pp YoY
-0.8pp QoQ
 -0.6pp 39.5% 45.9% 41.4% 51%
1-4 Family 47.3%
+2.4pp YoY
+0.3pp QoQ
 +14.6pp 32.6% 33.6% 31.3% 79%
Consumer 5.3%
-0.2pp YoY
+0.3pp QoQ
 +1.2pp 4.1% 4.6% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 14.3%
+0.2pp YoY
-0.1pp QoQ
 -4.5pp 18.8% 26.9% 19.7% 42%
Leverage Ratio 8.5%
+0.6pp YoY
+0.2pp QoQ
 -3.7pp 12.2% 12.3% 12.6% 6%
Total Capital Ratio 15.4%
0.0pp YoY
0.0pp QoQ
 -4.5pp 19.9% 27.9% 20.8% 42%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 91
+6 (+7.1%) YoY
+2 (+2.2%) QoQ
 +32 58 134 482 83%
Assets per Employee ($) $5.2M
-6.2% YoY
-0.7% QoQ
 -$2.3M $7.5M $6.8M $8.8M 17%
Branch Count 10
0 YoY
0 QoQ
 +5 4 9 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.2% 0.4% 3%
Nonaccrual 1.5%
+1.4pp YoY
-0.1pp QoQ
 +0.6pp 0.9% 0.8% 1.0% 82%
Allowance Coverage 0.90x
-97.1% YoY
+0.4% QoQ
 -23.25x 24.15x 6.79x 20.23x 24%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 16.4%
-8.8pp YoY
-0.1pp QoQ
 +4.2pp 12.2% 11.7% 11.6% 74%
Cost of Funds (YTD) 0.5%
-0.2pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.5% 1.7% 2%
Net Income ($, YTD) $1.7M
+8.8% YoY
— QoQ
 -$840K $2.6M $7.3M $40.4M 46%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#113 of 529 • Bottom 21.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.73%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

204
Non-Interest-Bearing Deposit Share
funding
Value: 36.63%
Peer Median: 22.03%
#204 of 2643 Top 7.7% in $100M-$1B
479
Loan-to-Deposit Ratio
liquidity
Value: 60.75%
Peer Median: 77.95%
#479 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (3 metrics)

2241
Efficiency Ratio
profitability
Value: 78.63%
Peer Median: 64.48%
#2241 of 2643 Bottom 15.2% in $100M-$1B
2142
Delinquency Rate
credit_quality
Value: 1.49%
Peer Median: 0.92%
#2142 of 2633 Bottom 18.7% in $100M-$1B
2112
Return on Assets
profitability
Value: 0.73%
Peer Median: 1.32%
#2112 of 2643 Bottom 20.1% in $100M-$1B
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