C
The Citizens National Bank of Park Rapids
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.84
Return On
Assets
1.76%
Total
Assets
374.89M
Capital
45.20M
Total
Deposits
326.48M
Net
Income
6.51M
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Weiss Ratings The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Rating C
Asset Quality Index 7.60
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 7.70
Stability Index 3.70
Company Info The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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FDIC Number 5223
Phone Number (218) 732-3393
Website www.cnbbank.com/
Asset Quality The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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1-Year Asset Growth 5.87%
5-Year Asset Growth 3.59%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.35%
Non-Performing Loans to Capital 2.97%
Non-Performing Loans to Loans 0.34%
Balance Sheet The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Total Assets 374.89M
Total Deposits 326.48M
Capital and Reserves The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Capital 45.20M
Leverage Ratio 11.84
Loan Loss Reserves to Loans 1.62%
Risk-Based Capital Ratio --
Liquidity The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Hot Money Ratio 23.10%
Liquidity Ratio 4.43%
Profitability The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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5-Year Return on Average Assets 1.48%
Net Income 6.51M
Net Interest Spread 4.18%
Operating Profit to Average Assets 1.92%
Overhead Efficiency Ratio 53.86%
Return on Assets 1.76%
Return on Equity 15.29%