Side-by-side · Q2 2026 data
Citizens National Bank of Cheboygan vs Grand River Bank
Metric by metric
| Measure | Citizens National Bank of Cheboygan | Grand River Bank |
|---|---|---|
| TellerScore | 53 | 65 (stronger) |
| Capital cushion | 35 | 52 (stronger) |
| Loan quality | 51 | 94 (stronger) |
| Earnings | 49 (stronger) | 45 |
| Funding & liquidity | 87 (stronger) | 49 |
| Problem-loan coverage | 68 | 97 (stronger) |
| Peer percentile | 9th | 29th |
| Total assets | $471.0M | $507.3M |
| Deposits / shares | $435.8M | $446.1M |
| Capital ratio | 8.49% | 10.19% (stronger) |
| Problem loans | 1.47% | 0.17% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.73% (stronger) | 0.62% |
| Loans ÷ deposits | 60.8% (stronger) | 95.0% |
| Uninsured deposits | 26.2% (stronger) | 29.4% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Grand River Bank has the higher TellerScore (65 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Cheboygan leads on 3 and Grand River Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.