FDIC Cert #5018 · Cheboygan, Michigan · Est. 1931

Citizens National Bank of Cheboygan - FDIC Bank Health Profile

A community-scale look at Citizens National Bank of Cheboygan's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$471M
Total assets
C
Health grade · Fair
0.82%
Return on assets
14.3%
Tier 1 capital

Data updated July 2026

The verdict

Citizens National Bank of Cheboygan earns a PlainBankData health grade of C (63/100), with well-capitalized at 14.32% Tier 1, 0.82% ROA, 75% efficiency ratio.

#1,874
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
14.32%
Tier 1 ratio - above the 10% well-capitalized line
31st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 5018 · MI C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3564/4307
  • PHOTO-FINISH The Bank of Edison · GA
  • TIER1-WELL 14.3% Tier 1
  • TEXAS-HEALTHY 16.5% Texas
  • ROA-PAR 0.82% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: The Bank of Edison, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens National Bank of Cheboygan

Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Baker-Boyer National… · WA ·…63/100Citizens National Ba… · MI ·…63/100Millbury National Bank · MA …63/100Resource Bank, Natio… · IL ·…63/100The Bank of Edison · GA · ne…63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens National Bank of Cheboygan · July 2026

Call Report read for Citizens National Bank of Cheboygan in a high-failure state

Citizens National Bank of Cheboygan (FDIC Cert #5018) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,564 of 4,307. Tier 1 capital prints at 14.32%, clearing the 10% well-capitalized line. The Texas Ratio is 16.46%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.82%. Balance-sheet scale is $471M, 1,874th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Bank of Edison (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens National Bank of Cheboygan

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

Citizens National Bank of Cheboygan sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Citizens National Bank of Cheboygan's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.

How Citizens National Bank of Cheboygan's 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
Citizens National Bank of Cheboygan's composite health score
Tier 1 Capital Ratio (14.32%) 35/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (16.46%) 10/20
Efficiency Ratio (74.61%) 4/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$471M

Total balance-sheet footings

Total Deposits

$422M

Customer-funded liabilities

Net Loans

$256M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.92% 14.32% 15.72%
Basel III capital ratios - Citizens National Bank of Cheboygan

Where Citizens National Bank of Cheboygan ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens National Bank of Cheboygan's score of 63/100 falls in the highlighted band.

Citizens National Bank of Cheboygan: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens National Bank of Cheboygan 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens National Bank of Cheboygan's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens National Bank of Cheboygan's $471M falls in the highlighted band.

Capital & credit buffers at Citizens National Bank of Cheboygan

Tier 1 capital ratio
Well-capitalized 10%

14.32% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.32%
Texas Ratio
16.46%
Equity Capital
$21M

What these ratios mean →

Profitability metrics: Citizens National Bank of Cheboygan

Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
25.57%
Efficiency Ratio
74.61%

What these mean →

Income & expense at Citizens National Bank of Cheboygan

$19M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens National Bank of Cheboygan reports a Texas Ratio of 16.46% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens National Bank of Cheboygan on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

Top 5 banks in Michigan ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($471M here), outside Michigan so the neighborhood is not state containment.

BLC Community Bank $471M · WI The Neffs National Bank $470M · PA Oak Bank $472M · WI First National Bank $470M · NM

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens National Bank of Cheboygan (FDIC Cert #5018) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens National Bank of Cheboygan Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
Northpointe BankGrand Rapids $7.0B B 1.39%
First National Bank of AmericaEast Lansing $6.7B A 2.94%
Mercantile BankGrand Rapids $6.2B A 1.61%
Independent BankGrand Rapids $5.5B B 1.33%
ChoiceOne BankSparta $4.4B B 0.79%
Macatawa Bank, National AssociationHolland $3.7B A 1.39%
Bank of Ann ArborAnn Arbor $3.3B A 1.72%
Isabella BankMount Pleasant $2.2B B 1.02%