C
The Citizens National Bank of Park Rapids
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.70
Return On
Assets
1.92%
Total
Assets
397.00M
Capital
45.36M
Total
Deposits
348.06M
Net
Income
3.70M
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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 6.90
Capitalization Index 10.00
Liquidity Index 0.70
Profitability Index 8.00
Stability Index 4.30
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 3.06%
5-Year Asset Growth 3.59%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.35%
Non-Performing Loans to Capital 6.73%
Non-Performing Loans to Loans 0.44%
Balance Sheet The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Total Assets 397.00M
Total Deposits 348.06M
Capital and Reserves The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Capital 45.36M
Leverage Ratio 11.70
Loan Loss Reserves to Loans 1.61%
Risk-Based Capital Ratio --
Liquidity The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Hot Money Ratio 23.68%
Liquidity Ratio 2.25%
Profitability The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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5-Year Return on Average Assets 1.53%
Net Income 3.70M
Net Interest Spread 4.35%
Operating Profit to Average Assets 2.09%
Overhead Efficiency Ratio 51.74%
Return on Assets 1.92%
Return on Equity 16.27%