Side-by-side · Q2 2026 data
Citizens National Bank of Cheboygan vs State Savings Bank
Metric by metric
| Measure | Citizens National Bank of Cheboygan | State Savings Bank |
|---|---|---|
| TellerScore | 53 | 61 (stronger) |
| Capital cushion | 35 | 38 (stronger) |
| Loan quality | 51 | 93 (stronger) |
| Earnings | 49 (stronger) | 34 |
| Funding & liquidity | 87 (stronger) | 67 |
| Problem-loan coverage | 68 | 97 (stronger) |
| Peer percentile | 9th | 20th |
| Total assets | $471.0M | $431.2M |
| Deposits / shares | $435.8M | $391.6M |
| Capital ratio | 8.49% | 8.79% (stronger) |
| Problem loans | 1.47% | 0.20% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.73% (stronger) | 0.35% |
| Loans ÷ deposits | 60.8% (stronger) | 82.6% |
| Uninsured deposits | 26.2% | 24.9% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
State Savings Bank has the higher TellerScore (61 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Cheboygan leads on 2 and State Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.