Side-by-side · Q2 2026 data
Citizens National Bank of Cheboygan vs First Community Bank
Metric by metric
| Measure | Citizens National Bank of Cheboygan | First Community Bank |
|---|---|---|
| TellerScore | 53 | 77 (stronger) |
| Capital cushion | 35 | 49 (stronger) |
| Loan quality | 51 | 100 (stronger) |
| Earnings | 49 | 96 (stronger) |
| Funding & liquidity | 87 (stronger) | 53 |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 9th | 68th |
| Total assets | $471.0M | $413.6M |
| Deposits / shares | $435.8M | $358.3M |
| Capital ratio | 8.49% | 9.93% (stronger) |
| Problem loans | 1.47% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.73% | 1.91% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 93.6% |
| Uninsured deposits | 26.2% (stronger) | 27.7% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
First Community Bank has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Cheboygan leads on 2 and First Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cheboygan, MI
- Petoskey, MI