BlastPoint's Banking Scorecard

Citizens National Bank of Cheboygan

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

Cheboygan, MI

10 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in 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

+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 13.9% in tier
- ROA 0.54% below tier average
- Efficiency Ratio 13.02% above tier average
- Delinquency Rate 0.66% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$463.9M -0.7% YoY -1.5% QoQ	+$77.8M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$255.0M +7.3% YoY -0.3% QoQ	-$710K	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$435.2M -2.9% YoY +3.1% QoQ	+$107.3M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	0.73% +14.0% YoY -10.9% QoQ	-0.54%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	4.00% +11.1% YoY +6.3% QoQ	+0.07%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	78.31% -1.2% YoY +5.0% QoQ	+13.02%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	1.55% -0.3% QoQ	+0.66%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	58.59% +10.5% YoY -3.3% QoQ	-18.05%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	34.35% +6.7% YoY -3.3% QoQ	+12.33%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 10.7% in tier
Nonperforming Asset Ratio ?	0.85% +0.9% QoQ	+0.21%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	14.36% +2.4% YoY +0.3% QoQ	-1.47%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.14% +3.3% YoY -78.2% QoQ	-0.14%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	69%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#72 of 512 • Bottom 13.9% 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: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

287

Non-Interest-Bearing Deposit Share

funding

Value: 34.35%

Peer Median: 22.02%

#287 of 2664 Top 10.7% in $100M-$1B

454

Loan-to-Deposit Ratio

liquidity

Value: 58.59%

Peer Median: 76.64%

#454 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (4 metrics)

2190

Delinquency Rate

credit_quality

Value: 1.55%

Peer Median: 0.89%

#2190 of 2654 Bottom 17.5% in $100M-$1B

2196

Efficiency Ratio

profitability

Value: 78.31%

Peer Median: 65.29%

#2196 of 2664 Bottom 17.6% in $100M-$1B

2067

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.27%

#2067 of 2664 Bottom 22.4% in $100M-$1B

2027

Nonperforming Asset Ratio

credit_quality

Value: 0.85%

Peer Median: 0.64%

#2027 of 2664 Bottom 23.9% in $100M-$1B