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The Citizens National Bank Of Park Rapids
Park Rapids, MN · FDIC Certificate #5223 · Chartered 01/0
Total assets
$397.00M
Total deposits
$348.06M
Total equity
$45.36M
Net loans
$307.74M
Branches (offices)
1
Net income (YTD)
$3.70M
Rank: #2,066 of 4,213 U.S. banks by assets · #67 of 221 in Minnesota. Assets changed 3.1% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.93% |
| Return on equity | 16.29% |
| Net interest margin (YTD) | 4.35% |
| Equity to assets | 11.43% |
| Tier 1 leverage ratio | 11.70% |
| Uninsured deposits (share of deposits) | 28.3% |
| Noncurrent loans (share of loans) | 1.10% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 88.4% |
| Real estate loans (share of loans) | 83.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $257.15M | 83.6% | |
| Commercial & industrial | $23.70M | 7.7% | |
| Consumer / individual | $14.53M | 4.7% | |
| Construction & development | $26.14M | 8.5% | |
| Agricultural | $13.63M | 4.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $344.26M | $309.01M | $2.44M | $32.71M |
| Jun 2023 | $357.58M | $304.71M | $2.06M | $34.82M |
| Jun 2024 | $349.08M | $302.65M | $2.40M | $38.08M |
| Jun 2025 | $385.20M | $339.72M | $3.01M | $42.08M |
| Jun 2026 | $397.00M | $348.06M | $3.70M | $45.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $348.06M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $348.06M.
Similar-sized banks
Volunteer Federal Savings Bank ($397.06M) · The Shelby State Bank ($396.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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