19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 12, 2026
Call-report figures are for Citizens National Bank of Cheboygan at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens National Bank of Cheboygan's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $137K in Q2 2026, 11% below the same quarter a year earlier ($154K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
CNB Your Way
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 10% from Q3 2025 to Q2 2026, to $137K.
$137K
Citizens National Bank of CheboyganMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Citizens National Bank of Cheboygan · $471M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citizens National Bank of Cheboygan(this institution) | Cheboygan, MI | $471M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Bank | Francesville, IN | $455M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank & Trust Company | Plaquemine, LA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eclipse Bank, Inc. | Louisville, KY | $486M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Exchange Bank of Missouri | Fayette, MO | $454M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank in New Bremen | New Bremen, OH | $467M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNB Community Bank | Midwest City, OK | $480M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hometown Bank of Pennsylvania | Bedford, PA | $454M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hoyne Savings Bank | Chicago, IL | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iowa State Bank | Des Moines, IA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local Bank | Hulbert, OK | $463M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meade County Bank | Brandenburg, KY | $458M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mechanics & Farmers Bank | Durham, NC | $476M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northview Bank | Sandstone, MN | $470M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ohio State Bank | Bexley, OH | $484M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Alliance Bank | San Gabriel, CA | $454M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pbt Bancorp | Hazard, KY | $473M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Seamen's Bank | Provincetown, MA | $478M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Capital Bank | Albuquerque, NM | $483M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Bank, F.S.B. | Sterling, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank, National Association | McAlester, OK | $488M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bippus State Bank | Huntington, IN | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Denison State Bank | Holton, KS | $454M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Hometown Savings Bank | Terre Haute, IN | $456M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wallkill Valley Federal Savings and Loan Association | Wallkill, NY | $485M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3, against a peer median of $9.73 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Citizens National Bank of Cheboygan (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $137K | +$6K | +4.6% |
| Q1 2026 | $131K | −$23K | −14.9% |
| Q4 2025 | $154K | +$1K | +0.7% |
| Q3 2025 | $153K | −$1K | −0.6% |
| Q2 2025 | $154K | −$2K | −1.3% |
| Q1 2025 | $156K | −$8K | −4.9% |
| Q4 2024 | $164K | +$2K | +1.2% |
| Q3 2024 | $162K | +$13K | +8.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Citizens National Bank of Cheboygan’s own schedules, with a source for each figure.
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $3 | per month | None |
| Account Research/Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $35 | Not stated | None |
| Returned Item Fee | $35 | Not stated | None |
ATM & Card | |||
| ATM Transaction Fee (performed by ATMs not owned by CNB) | $1.50 | Not stated | None |
| ATM/Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire | $25 | Not stated | None |
| Incoming Wire | No charge | Not stated | None |
| International Wire | $50 | Not stated | None |
Check Services | |||
| Cashier's Checks: Customer | $4 | Not stated | None |
| Personal Money Orders: Customer | $3 | Not stated | None |
| Stop Payment Item Fee (each) | $35 | per item | None |
| Canadian Checks - Deposited or Cashed | $15 | per item | None |
| Non-Customer | $7 | Not stated | None |
| Collection Item | $15 | Not stated | None |
Cash & Deposit | |||
| Chargeback Fee (items returned unpaid) | $7.50 | Not stated | None |
Account Services | |||
| Notary (Customer) | No charge | Not stated | None |
| Cheboygan Main Office has a limited number of 2" x 5" x 22" | $35 | per year | None |
| Drilling of Box | $250Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $48 | per year | None |
| The Mackinaw City and Onaway Branches each have a limited number of 10" x 10" x 22" | $110 | per year | None |
| Garnishment/Tax Levy | $50 | Not stated | None |
Gift & Prepaid Cards | |||
| Prepaid Gift Cards | $5 | Not stated | None |
Other Fees | |||
| Fax Fees (Incoming - per page) | $1 | per item | None |
| Fax Fees (Outgoing - per page) | $3 | per item | None |
Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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