Side-by-side · Q2 2026 data
Citizens National Bank of Cheboygan vs PNC Bank, National Association
Metric by metric
| Measure | Citizens National Bank of Cheboygan | PNC Bank, National Association |
|---|---|---|
| TellerScore | 53 | 62 (stronger) |
| Capital cushion | 35 | 40 (stronger) |
| Loan quality | 51 | 75 (stronger) |
| Earnings | 49 | 73 (stronger) |
| Funding & liquidity | 87 (stronger) | 48 |
| Problem-loan coverage | 68 | 92 (stronger) |
| Peer percentile | 9th | 53rd |
| Total assets | $471.0M | $609.8B |
| Deposits / shares | $435.8M | $457.8B |
| Capital ratio | 8.49% | 8.98% (stronger) |
| Problem loans | 1.47% | 0.74% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 0.73% | 1.32% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 79.7% |
| Uninsured deposits | 26.2% (stronger) | 44.8% |
| Offices | 8 | 2,305 |
| CFPB complaints (3 yrs) | — | 9,281 |
| Complaints per $1B deposits | — | 20.3 |
| Mortgage denial rate (HMDA) | — | 33.8% |
PNC Bank, National Association has the higher TellerScore (62 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Cheboygan leads on 3 and PNC Bank, National Association on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cheboygan, MI
- Petoskey, MI