Citizens Nb Of Cheboygan (FDIC #5018): Bank Stress & Real-Estate Credit Exposure
Citizens Nb Of Cheboygan (FDIC Cert #5018): bank stress 87/100, severe, STABLE over 7 days; parent CNB CORP.
Citizens Nb Of Cheboygan (#5018) lends in 3 counties across 1 state; Citizens Nb Of Cheboygan (#5018) reaches 25 ZIP codes: Michigan 3 counties, 25 ZIPs.
Citizens Nb Of Cheboygan (#5018) largest markets: Cheboygan County, MI (75 branches, 15 ZIPs) (#5018), Emmet County, MI (44 branches, 11 ZIPs) (#5018), Presque Isle County, MI (7 branches, 7 ZIPs) (#5018).
Citizens Nb Of Cheboygan (#5018) reports $471.0 million in total assets; Citizens Nb Of Cheboygan (#5018) equity $21.5 million (4.6% of Citizens Nb Of Cheboygan (#5018) assets); Citizens Nb Of Cheboygan (#5018) domestic deposits $435.8 million; Citizens Nb Of Cheboygan (#5018) net income $1.7 million; Citizens Nb Of Cheboygan (#5018) return on assets 0.73%; Citizens Nb Of Cheboygan (#5018) return on equity 16.39%; Citizens Nb Of Cheboygan (#5018) net interest income $8.7 million; Citizens Nb Of Cheboygan (#5018) call report June 30, 2026.
Citizens Nb Of Cheboygan (#5018) noncurrent real-estate loans: none reported; Citizens Nb Of Cheboygan (#5018) net charge-offs on real estate 1.73%; Citizens Nb Of Cheboygan (#5018) residential charge-offs 5.19%.
Citizens Nb Of Cheboygan (#5018) net interest margin 4.03% against an eight-quarter Citizens Nb Of Cheboygan (#5018) average of 3.64% (Citizens Nb Of Cheboygan (#5018) compression -0.40 points); Citizens Nb Of Cheboygan (#5018) non-residential real estate 519.0% of equity; Citizens Nb Of Cheboygan (#5018) rate-exposure score 40/100, Citizens Nb Of Cheboygan (#5018) fixed-rate trap 40/100; Citizens Nb Of Cheboygan (#5018) risk type credit driven; Citizens Nb Of Cheboygan (#5018) rate regime rates elevated, Citizens Nb Of Cheboygan (#5018) snapshot October 19, 2026.
Citizens Nb Of Cheboygan (#5018) stress score moved from 85.7 on June 22, 2026 to 86.6 on October 20, 2026; Citizens Nb Of Cheboygan (#5018) ranged 85.7 to 86.6 over 117 snapshots.
Citizens Nb Of Cheboygan (#5018) alerts: 3 counties; top Citizens Nb Of Cheboygan (#5018) alert scores: Indian River County, MI 31 (low); Onaway County, MI 31 (low); Petoskey County, MI 31 (low).