Total Assets
$471.0M
Total Deposits
$435.8M
Branches
10
Established
1931
Citizens National Bank of Cheboygan is a bank headquartered in Cheboygan, Michigan, established in 1931. It holds $471.0M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens National Bank of Cheboygan earns a TFS Financial Health Grade of C (67.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
67.5 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Citizens National Bank of CheboyganHQ | 303 N Main St | Cheboygan | MI | 11 |
| Citizens National Bank of Cheboygan | 8011 S Us 31 Hwy | Alanson | MI | 11 |
| Citizens National Bank of Cheboygan | 414 Division St | Cheboygan | MI | 23 |
| Citizens National Bank of Cheboygan | 10854 N Straits Hwy | Cheboygan | MI | 11 |
| Citizens National Bank of Cheboygan | 303 N Main St | Cheboygan | MI | 13 |
| Citizens National Bank of Cheboygan | 3990 S Straits Hwy | Indian River | MI | 11 |
| Citizens National Bank of Cheboygan | 580 S Nicolet St | Mackinaw City | MI | 11 |
| Citizens National Bank of Cheboygan | 20581 State St | Onaway | MI | 11 |
| Citizens National Bank of Cheboygan | 200 Stimpson Dr | Pellston | MI | 11 |
| Citizens National Bank of Cheboygan | 324 Michigan Street | Petoskey | MI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
67.5
Tier 1 capital ratio
8.49%
Return on assets
0.73%
Non-performing loans
1.47%
Efficiency ratio
78.63%
Asset growth (YoY)
0.38%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.