Citizens National Bank of Cheboygan
Citizens National Bank of Cheboygan quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $464M | $435M | $255M | $21M | $854K | 0.73% | 16.54% | 4.00% | 1.53% |
| Q4 2025 | $471M | $422M | $256M | $21M | $1M | 0.82% | 25.57% | 3.77% | 1.53% |
| Q3 2025 | $493M | $468M | $252M | $18M | $1M | 0.78% | 26.80% | 3.68% | 1.60% |
| Q2 2025 | $469M | $441M | $243M | $15M | $820K | 0.67% | 25.15% | 3.63% | 0.04% |
| Q1 2025 | $467M | $448M | $238M | $13M | $756K | 0.64% | 27.24% | 3.60% | 0.05% |
| Q4 2024 | $477M | $426M | $236M | $9M | $924K | 0.66% | 37.04% | 3.25% | 0.13% |
| Q3 2024 | $515M | $461M | $238M | $14M | $924K | 0.62% | 35.74% | 3.13% | 0.16% |
| Q2 2024 | $483M | $412M | $235M | $7M | $729K | 0.57% | 39.74% | 3.10% | 0.16% |
| Q1 2024 | $491M | $422M | $228M | $6M | $661K | 0.54% | 37.33% | 3.01% | 0.19% |
| Q4 2023 | $486M | $416M | $227M | $8M | $868K | 0.73% | 135.06% | 3.10% | 0.22% |
| Q3 2023 | $497M | $464M | $224M | $-1993K | $1M | 0.74% | 271.95% | 3.13% | 0.45% |
| Q2 2023 | $491M | $451M | $218M | $4M | $914K | 0.66% | 132.22% | 3.10% | 0.00% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.