Citizens National Bank of Cheboygan

Citizens National Bank of Cheboygan is a currently active commercial lending specialization banking institution headquartered in Cheboygan, Michigan. Established in 01/24/1931, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Citizens National Bank of Cheboygan manages $463.9M in total assets and holds $435.2M in customer deposits. When evaluating the stability of Citizens National Bank of Cheboygan, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 4.46%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.73%, while its Return on Equity (ROE) sits at 16.54%. These metrics result in a moderate health score of 7.0 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.