The Citizens National Bank of Park Rapids
Park Rapids, MN
IDRSSD: 877752
Total Assets
$374.89M
Latest filing
Total Deposits
$326.48M
Latest filing
Net Interest Margin
4.53%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens National Bank of Park Rapids
300 1st St W
Park Rapids, MN 56470
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1933FDIC Certificate 3509
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The Citizens National Bank of Park Rapids (Main) | 300 1st St W | Park Rapids, MN | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1933 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56470 |
| State and County Number | 27057 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 48 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cnbbank.com |
| Data Updated | 01/30/2026 |
| CERT | 5223 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $374.89M |
| Total Deposits | $326.48M |
| Total Liabilities | $329.69M |
| Total Equity Capital | $45.20M |
| Net Income | $1.50M |
| Net Loans and Leases | $297.41M |
| Assets Per Employee ($Millions) | $7.5M |
| Bank Premises and Fixed Assets | $1.94M |
| Cash and Balances due from Depository Institutions | $9.67M |
| Deposits Held in Domestic Offices | $326.48M |
Key Performance Ratios
| Return on Assets (ROA) | 1.6% |
| Return on Equity (ROE) | 13.51% |
| Net Interest Margin | 4.53% |
| Efficiency Ratio | 57.07% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.056% |
| Earning Assets to total Assets | 96.26% |
Income and Expense
| Total Interest Income | $5.78M |
| Total Noninterest Income | $401.00k |
| Total Interest Expense | $1.70M |
| Total Noninterest Expense | $2.56M |
| Net Interest Income | $4.08M |
| Pre-tax Net Operating Income | $1.67M |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $265.00k |
| Other borrowed funds | $203.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.00M |
| Total Liabilities and Capital | $374.89M |
Securities
| Securities | $56.87M |
| Available-for-sale debt securities | $56.87M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens National Bank of Park Rapids?
$374.89M as of the latest filing.
How much are The Citizens National Bank of Park Rapids's total deposits?
$326.48M in total deposits.
Where is The Citizens National Bank of Park Rapids located?
Park Rapids, MN.
What is the Net Interest Margin?
4.53%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1933.
What is the Return on Assets (ROA)?
1.6%.
How much are total loans and leases?
$297.41M (latest filing).
What is the total interest income (latest filing)?
$5.78M.