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 Citizens National Bank of Cheboygan Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
Citizens National Bank of Cheboygan's savings rates are at 1.00%. Citizens National Bank of Cheboygan's savings rates are 33% higher than the MonitorBankRates national average, and it has a D health rating. MonitorBankRates evaluates the financial stability of Citizens National Bank of Cheboygan with a 2.3 Star Rating, an D Overall Health Grade, and a Texas Ratio of 18.39%. Rates last updated and verified on 11/05/2026. Citizens National Bank of Cheboygan money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens National Bank of Cheboygan? Share your experience about Citizens National Bank of Cheboygan by leaving a review below, or read customer reviews before you decide to use Citizens National Bank of Cheboygan. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Citizens National Bank of Cheboygan Savings Rates
Citizens National Bank of Cheboygan Other Rates
Financial Health HistoryCitizens National Bank of Cheboygan’s Texas Ratio rose from 13.57% in Q4 2023 to 18.39% in Q2 2026, so its financial health has weakened over the past 11 quarters. Over the same period its Star Rating moved from 1.0 to 2.3 and its Health Grade from F to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Citizens National Bank of Cheboygan is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Citizens National Bank of Cheboygan rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Citizens National Bank of Cheboygan's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Citizens National Bank of Cheboygan
Website
https://www.cnbismybank.com
Address
303 N Main St,
Cheboygan, MI 49721 · Cheboygan
Bank Holding Company
CNB CORP
FDIC Certificate #
5018
Regulator
OCC
Established
January 24, 1931
FDIC Insurance Date
January 1, 1934
Domestic Offices
10
Total Branches
10
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
2.3 / 5.0 ★
Overall Health & Safety Grade
D (64/100)
Texas Ratio
18.39%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.7320%
Return on Equity (ROE)
16.3900%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
$470,958,000
Total Deposits
$435,798,000
Equity Capital
$21,470,000
Net Income
$1,715,000
Headquarters
Cheboygan
Total Branches and Offices
10
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Citizens National Bank of Cheboygan
Frequently Asked Questions About Citizens National Bank of CheboyganWhat is the highest savings rate at Citizens National Bank of Cheboygan?The highest Citizens National Bank of Cheboygan savings rate is its CNB Savings at 1.00% APY, verified by MonitorBankRates as of November 5, 2026. How many branches does Citizens National Bank of Cheboygan operate?Citizens National Bank of Cheboygan currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Citizens National Bank of Cheboygan does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Citizens National Bank of Cheboygan provides members with tools to manage their accounts and build a solid financial history. Does Citizens National Bank of Cheboygan offer online and mobile banking?Most modern institutions like Citizens National Bank of Cheboygan provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cnbismybank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Citizens National Bank of Cheboygan rates compare?Citizens National Bank of Cheboygan's savings rates are 33% higher than the MonitorBankRates national average, and it has a D health rating. Citizens National Bank of Cheboygan's top rate is its CNB Savings at 1.00% APY, verified by MonitorBankRates on November 5, 2026. Current Citizens National Bank of Cheboygan Rates
Retrieved from our database of financial products. Rates subject to change.
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