Is Citizens Nb of Cheboygan Safe?
Citizens Nb of Cheboygan has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (48/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.21% | 86/100 |
| Nonperforming Loan Ratio | 0.16% | 97/100 |
| Liquidity Ratio | 43.85% | 100/100 |
| Return on Assets | 0.69% | 48/100 |
| Total Assets | $0.5B | |
How does Citizens Nb of Cheboygan compare?
With a Bank Health Score of 89/100, Citizens Nb of Cheboygan sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Citizens Nb of Cheboygan ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 13.21% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.16% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Nb of Cheboygan's Bank Health Score fell by 1.0 points to 89/100. Tier 1 capital weakened by 0.78 percentage points to 13.21%.
Citizens Nb of Cheboygan has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (48/100).