Total Assets
$375M
Total balance-sheet footings
FDIC Cert #5223 · Park Rapids, Minnesota · Est. 1933
The Citizens National Bank of Park Rapids - FDIC Bank Health Profile
A community-scale look at The Citizens National Bank of Park Rapids's own numbers, pulled straight from its quarterly FDIC Call Report.
- $375M
- Total assets
- A
- Health grade · Excellent
- 1.77%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Citizens National Bank of Park Rapids earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.84% Tier 1, profitable at 1.77% ROA, efficient (54% cost ratio).
- #2,181
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 11.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Citizens National Bank of Park Rapids's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Citizens National Bank of Park Rapids's composite health score
Tier 1 Capital Ratio (11.84%) 28/40
Return on Assets (ROA) (1.77%) 25/25
Texas Ratio (2.98%) 20/20
Efficiency Ratio (53.81%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$326M
Customer-funded liabilities
Net Loans
$297M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Citizens National Bank of Park Rapids ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens National Bank of Park Rapids's score of 85/100 falls in the highlighted band.
The Citizens National Bank of Park Rapids'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). The Citizens National Bank of Park Rapids's $375M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.84%
Texas Ratio
2.98%
Equity Capital
$45M
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.77%
Return on Equity (ROE)
15.26%
Efficiency Ratio
53.81%
What the numbers say about The Citizens National Bank of Park Rapids
The Citizens National Bank of Park Rapids is an FDIC-insured institution (Certificate #5223) headquartered in Park Rapids, Minnesota, established in 1933. It holds $375M in total assets - 2,181st of 4,313 FDIC-insured banks, $326M in customer deposits, and $297M in net loans. Capital-wise, the Tier 1 ratio sits at 11.84%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.98%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Citizens National Bank of Park Rapids sits 69th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$22M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens National Bank of Park Rapids reports a Texas Ratio of 2.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens National Bank of Park Rapids (FDIC Cert #5223) - 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.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is The Citizens National Bank of Park Rapids's health grade?▼
The Citizens National Bank of Park Rapids receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Citizens National Bank of Park Rapids?▼
The Citizens National Bank of Park Rapids holds $375M in total assets and $326M in deposits, ranking 2,181st of 4,313 FDIC-insured banks by asset size. It is headquartered in Park Rapids, Minnesota.
Is my money safe at The Citizens National Bank of Park Rapids?▼
Yes, deposits at The Citizens National Bank of Park Rapids (Certificate #5223) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens National Bank of Park Rapids's Tier 1 Capital Ratio?▼
The Citizens National Bank of Park Rapids has a Tier 1 Capital Ratio of 11.84%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Citizens National Bank of Park Rapids?▼
The Citizens National Bank of Park Rapids has a Texas Ratio of 2.98%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Citizens National Bank of Park Rapids?▼
The Citizens National Bank of Park Rapids has an Efficiency Ratio of 53.81%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens National Bank of Park Rapids's profile as a depositor or analyst.
- The Citizens National Bank of Park Rapids's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens National Bank of Park Rapids against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.