The Citizens National Bank of Park Rapids

BankPark Rapids, Minnesota
www.cnbbank.com

Total Assets

$374.9M

Total Deposits

$326.5M

Branches

1

Established

1933

TFS Health Grade

$
C

73.3 / 100

Average financial health

How we grade

The Citizens National Bank of Park Rapids is a bank headquartered in Park Rapids, Minnesota, established in 1933. With $374.9M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C (73.3/100).

Capital & Safety

Tier 1 Capital Ratio
11.84%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.49%

Profitability

Return on Assets (ROA)
1.77%(1%)
Return on Equity (ROE)
15.26%(10%)
Net Interest Margin
4.21%
Efficiency Ratio
53.81%(60%)

Lending & Liquidity

Total Loans
$302.3M
Loan-to-Deposit Ratio
91.10%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+5.87%
Deposit Growth (YoY)
+6.95%
Net Income
$6.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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