C
The Citizens National Bank of Park Rapids
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
11.56
Return On
Assets
1.67%
Total
Assets
385.20M
Capital
42.08M
Total
Deposits
339.72M
Net
Income
3.01M
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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 8.00
Capitalization Index 10.00
Liquidity Index 1.60
Profitability Index 6.80
Stability Index 5.00
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 10.35%
5-Year Asset Growth 6.36%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 1.11%
Non-Performing Loans to Loans 0.22%
Balance Sheet The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Total Assets 385.20M
Total Deposits 339.72M
Capital and Reserves The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Capital 42.08M
Leverage Ratio 11.56
Loan Loss Reserves to Loans 1.66%
Risk-Based Capital Ratio --
Liquidity The Citizens National Bank of Park Rapids
Park Rapids, MN 		Click to
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Hot Money Ratio 21.58%
Liquidity Ratio 10.21%
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 3.01M
Net Interest Spread 3.97%
Operating Profit to Average Assets 1.82%
Overhead Efficiency Ratio 54.77%
Return on Assets 1.67%
Return on Equity 14.46%