BlastPoint's Banking Scorecard
Citizens National Bank of Cheboygan
Micro
Specialty: Commercial
MI
FDIC cert 5018
Designations: ✓ Community bank
Cheboygan, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Citizens National Bank of Cheboygan shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$471.0M
-1.2% YoY
-4.4% QoQ
|
+$253.5M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$255.9M
+8.2% YoY
+1.4% QoQ
|
+$116.7M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$422.3M
-0.9% YoY
-9.8% QoQ
|
+$238.6M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.82%
+24.3% YoY
+4.8% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.77%
+15.8% YoY
+2.5% QoQ
|
-0.09% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
74.61%
-3.8% YoY
-1.0% QoQ
|
+6.88% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
1.55%
-4.2% QoQ
|
+0.91% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
60.59%
+9.2% YoY
+12.5% QoQ
|
-13.94% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
35.53%
+7.9% YoY
-1.4% QoQ
|
+13.14% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.84%
+1.7% QoQ
|
+0.39% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
14.32%
+2.6% YoY
+2.4% QoQ
|
+5.46% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.62%
+1.3% YoY
+46.7% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Deposits
Current: $422.3M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $471.0M · Tier avg: $217.5M
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.53% · Tier avg: 22.39%
86
86th pctile
Total Loans
Current: $255.9M · Tier avg: $139.2M
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.32% · Tier avg: 8.85%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.61% · Tier avg: 67.73%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.59% · Tier avg: 74.53%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.55% · Tier avg: 0.64%
Top Weaknesses
18
18th pctile
Delinquency Rate
Current: 1.55% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.59% · Tier avg: 74.53%
29
29th pctile
Efficiency Ratio
Current: 74.61% · Tier avg: 67.73%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.32% · Tier avg: 8.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
86
86th pctile
Total Loans
Current: $255.9M · Tier avg: $139.2M
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.53% · Tier avg: 22.39%
97
97th pctile
Total Assets
Current: $471.0M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $422.3M · Tier avg: $183.7M