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THE CITIZENS NATIONAL BANK OF PARK RAPIDS

PARK RAPIDS, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1933FDIC #5,223
Outstanding Up

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.09%

Institution Profile

FDIC BankFind

Address

300 1st St W, PARK RAPIDS, MN

County

Hubbard County

Established

January 1, 1933

Total Assets

$380M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 17, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$380M

Total Deposits

$331M

Net Loans

$295M

Net Income

$2M

ROA

2.09%

ROE

17.38%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$340M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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