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 Citizens National Bank of Cheboygan
Citizens National Bank of Cheboygan
| RSSD ID 773742 | CERTIFICATE 5018 | ABA NUMBER 72402212 |
| 303 N Main St |
Quarter Ended : |
2025-12-31 |
| Cheboygan, Michigan, 49721 |
Updated : |
2026-01-30 |
| www.cnbismybank.com |
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| Institution Profile |
| Year Opened : |
1931 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
88 |
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| Related Company Filings |
Regulator |
 CNB CORP |
FED |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 470,995 |
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Total Interest Income | 19,184 |
| Total Liabilities | 450,386 |
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Total NonInterest Income | 2,943 |
| Total Bank Equity Capital | 20,609 |
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Total Interest Expense | 2,764 |
| Total Deposits | 422,291 |
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Total NonInterest Expense | 14,446 |
| Net Loans & Leases | 254,199 |
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Net Income | 3,901 |
| Loan Loss Allowance | 3,517 |
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Net Charge Offs | 36 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 42,452 |
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Total loans | 255,983 |
| Total assets for the leverage ratio | 474,153 |
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Loans secured by real estate: | 217,788 |
| Tier 1 Leverage Ratio | 8.23 |
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Commercial and industrial loans | 22,289 |
| Tier 1 Capital Ratio | 14.32 |
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Loans to individuals - Credit Cards | 237 |
| Total Capital Ratio | 15.57 |
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Loans to individuals - Other | 12,674 |
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:· Citizens National Bank of Cheboygan
