🏦Bank Scorer

CITIZENS NATIONAL BANK OF CHEBOYGAN

CHEBOYGAN, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1931FDIC #5,018
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

303 N Main St, CHEBOYGAN, MI

County

Cheboygan County

Established

January 24, 1931

Total Assets

$464M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 21, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$464M

Total Deposits

$435M

Net Loans

$255M

Net Income

$854K

ROA

0.73%

ROE

16.54%

Risk-Based Capital

15.49%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$441M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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