The Citizens National Bank of Park Rapids (FDIC certificate #5223) is based in Park Rapids, Minnesota. Its Q2 2026 call report shows $397.0M in total assets and $348.1M in deposits and 1 office.
Based on its Q2 2026 filing, The Citizens National Bank of Park Rapids scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 87th. Its strongest component is earnings (97/100; 1.93%), and its lowest is funding & liquidity (57/100; 88% loans-to-deposits, 28% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (79 → 72), mostly because the loan quality component weakened by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 77 |
| Q4 2024 | 74 |
| Q1 2025 | 81 |
| Q2 2025 | 79 |
| Q3 2025 | 77 |
| Q4 2025 | 78 |
| Q1 2026 | 80 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.44% |
| Q3 2024 | 11.53% |
| Q4 2024 | 11.67% |
| Q1 2025 | 12.07% |
| Q2 2025 | 11.56% |
| Q3 2025 | 11.65% |
| Q4 2025 | 11.84% |
| Q1 2026 | 12.28% |
| Q2 2026 | 11.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.63% |
| Q2 2026 | 1.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.49% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.66% |
| Q3 2025 | 1.83% |
| Q4 2025 | 1.77% |
| Q1 2026 | 2.09% |
| Q2 2026 | 1.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $397.0M | 11.70% | 1.10% | 1.93% | 88.4% |
| Q1 2026 | 80 | $380.1M | 12.28% | 0.63% | 2.09% | 89.2% |
| Q4 2025 | 78 | $374.9M | 11.84% | 0.49% | 1.77% | 91.1% |
| Q3 2025 | 77 | $374.5M | 11.65% | 0.53% | 1.83% | 88.9% |
| Q2 2025 | 79 | $385.2M | 11.56% | 0.22% | 1.66% | 82.7% |
| Q1 2025 | 81 | $350.4M | 12.07% | 0.26% | 1.73% | 90.0% |
| Q4 2024 | 74 | $354.1M | 11.67% | 0.60% | 1.48% | 93.6% |
| Q3 2024 | 77 | $348.3M | 11.53% | 0.20% | 1.49% | 95.2% |
| Q2 2024 | 75 | $349.1M | 11.44% | 0.25% | 1.40% | 93.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BankCherokeeBank Saint Paul, MN | 68 out of 100, Moderate | $401.9M | 11.0% | 0.17% | vs |
| Crown BankBank Edina, MN | 45 out of 100, Below average | $402.0M | 8.4% | 1.15% | vs |
| First State Bank SouthwestBank Pipestone, MN | 70 out of 100, Strong | $409.9M | 9.7% | 0.71% | vs |
| Village BankBank Saint Francis, MN | 62 out of 100, Moderate | $411.9M | 9.0% | 0.40% | vs |
| Pine Country BankBank Little Falls, MN | 78 out of 100, Strong | $380.3M | 10.2% | 0.06% | vs |
| North Star BankBank Roseville, MN | 71 out of 100, Strong | $378.7M | 11.0% | 0.94% | vs |
Deposit insurance
Is my money safe at The Citizens National Bank of Park Rapids?
Yes. The Citizens National Bank of Park Rapids is an FDIC-insured institution (FDIC certificate #5223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.3% of deposits ($98.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The Citizens National Bank of Park Rapids lists 1 office in 1 city. Most locations:
- Park Rapids, MN (1)
Identity & history
Profile
- Legal name
- The Citizens National Bank of Park Rapids
- Type
- National bank
- FDIC certificate #
- 5223
- RSSD ID
- 877752
- Primary regulator
- OCC
- Holding company
- Park Rapids Bancshares Inc
- Established
- January 1, 1933
- Headquarters
- 300 1st St W, Park Rapids, MN 56470
- Website
- www.cnbbank.com
- Employees
- 49
Quick answers
The Citizens National Bank of Park Rapids: common questions
Is The Citizens National Bank of Park Rapids FDIC insured?
Yes. The Citizens National Bank of Park Rapids is an FDIC-insured institution (FDIC certificate #5223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens National Bank of Park Rapids's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens National Bank of Park Rapids ever failed?
There is no failure record for FDIC certificate #5223 in the FDIC failed bank list.
How many branches does The Citizens National Bank of Park Rapids have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Park Rapids
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community First BankBank Menahga, MN | 90 out of 100, Very strong | $126.5M | 12.8% | 0.28% | vs |
| Trustar Federal Credit UnionCredit union International F, MN | 88 out of 100, Very strong | $376.7M | 15.4% | 0.36% | vs |
| First National Bank NorthBank Walker, MN | 85 out of 100, Very strong | $864.3M | 12.1% | 0.23% | vs |
| Northwoods Bank of MinnesotaBank Park Rapids, MN | 80 out of 100, Strong | $140.6M | 11.2% | 0.03% | vs |
| Northview BankBank Sandstone, MN | 74 out of 100, Strong | $469.7M | 10.8% | 0.46% | vs |