Side-by-side · Q2 2026 data
Citizens National Bank of Cheboygan vs Lake-Osceola State Bank
Metric by metric
| Measure | Citizens National Bank of Cheboygan | Lake-Osceola State Bank |
|---|---|---|
| TellerScore | 53 | 85 (stronger) |
| Capital cushion | 35 | 75 (stronger) |
| Loan quality | 51 | 92 (stronger) |
| Earnings | 49 | 84 (stronger) |
| Funding & liquidity | 87 | 87 |
| Problem-loan coverage | 68 | 98 (stronger) |
| Peer percentile | 9th | 88th |
| Total assets | $471.0M | $469.4M |
| Deposits / shares | $435.8M | $403.4M |
| Capital ratio | 8.49% | 12.53% (stronger) |
| Problem loans | 1.47% | 0.24% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 0.73% | 1.60% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 62.4% |
| Uninsured deposits | 26.2% | 24.8% (stronger) |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Cheboygan leads on 2 and Lake-Osceola State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.