Citizens National Bank of Cheboygan
Cheboygan, MI · National commercial bank
Sonar Score
Watch
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $463.9M
- Total deposits
- $435.2M
- Branches
- 10
- Return on assets
- 0.73%
- Return on equity
- 16.54%
- Charter type
- National commercial bank
- Established
- 1931
- FDIC cert #
- 5018
How the 57 breaks down
Capital ratio not reported.
Modest but positive returns.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at Citizens National Bank of Cheboygan
Citizens National Bank of Cheboygan is an FDIC-insured institution (Cert #5018). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
10 branch locations
20581 State St
Onaway, MI 49765
10854 N Straits Hwy
Cheboygan, MI 49721
580 S Nicolet St
Mackinaw City, MI 49701
200 Stimpson Dr
Pellston, MI 49769
414 Division St
Cheboygan, MI 49721
3990 S Straits Hwy
Indian River, MI 49749
303 N Main St
Cheboygan, MI 49721
8011 S Us 31 Hwy
Alanson, MI 49706
303 N Main St
Cheboygan, MI 49721
324 Michigan Street
Petoskey, MI 49770
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