Side-by-side · Q2 2026 data
The Citizens National Bank of Park Rapids vs BankCherokee
Bank
The Citizens National Bank of Park Rapids
Park Rapids, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | The Citizens National Bank of Park Rapids | BankCherokee |
|---|---|---|
| TellerScore | 72 (stronger) | 68 |
| Capital cushion | 67 (stronger) | 60 |
| Loan quality | 63 | 94 (stronger) |
| Earnings | 97 (stronger) | 26 |
| Funding & liquidity | 57 | 74 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 50th | 37th |
| Total assets | $397.0M | $401.9M |
| Deposits / shares | $348.1M | $333.5M |
| Capital ratio | 11.70% (stronger) | 11.01% |
| Problem loans | 1.10% | 0.17% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.93% (stronger) | 0.15% |
| Loans ÷ deposits | 88.4% | 86.6% (stronger) |
| Uninsured deposits | 28.3% | 13.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
The Citizens National Bank of Park Rapids has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Park Rapids leads on 3 and BankCherokee on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.