SBA lender profile
Citizens National Bank of Cheboygan
Citizens National Bank of Cheboygan appears in the public SBA loan data with 43 funded 7(a) loans since FY2010, totaling $15.3M, an average of $355K per loan, and an estimated 458 jobs supported. Its SBA lending concentrates in Michigan and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 2.3%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 72
- Scale 25
- Activity 49
- Consistency 58
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Citizens National Bank of Cheboygan the right lender for you?
Lenders fund what they know. Citizens National Bank of Cheboygan's SBA lending concentrates in Michigan (43 loans) and Accommodation and Food Services (13 loans), at an average loan of $355K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $464M
- Headquarters
- Cheboygan, MI
- FDIC cert
- #5018
- Status
- Active
Where Citizens National Bank of Cheboygan lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Michigan | 43 | $15.3M |
Metro areas where Citizens National Bank of Cheboygan funds
What Citizens National Bank of Cheboygan funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 13 | $4.7M |
| Construction | 6 | $3.1M |
| Other Services | 4 | $2.5M |
| Administrative and Support | 4 | $1.1M |
| Health Care and Social Assistance | 3 | $904K |
| Manufacturing | 5 | $729K |
Citizens National Bank of Cheboygan SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2015 | 1 | $311K |
| 2017 | 3 | $725K |
| 2018 | 7 | $1.5M |
| 2019 | 1 | $99K |
| 2020 | 4 | $2.0M |
| 2021 | 5 | $1.1M |
| 2022 | 9 | $3.6M |
| 2023 | 4 | $1.4M |
| 2024 | 3 | $657K |
| 2025 | 6 | $3.8M |
Related SBA lenders
Other lenders active in Michigan or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens National Bank of Cheboygan: frequently asked questions
Does Citizens National Bank of Cheboygan offer SBA loans?
Yes. Citizens National Bank of Cheboygan appears in the public SBA data with 43 funded SBA 7(a) loans totaling $15.3M.
How many SBA loans has Citizens National Bank of Cheboygan made?
Citizens National Bank of Cheboygan is associated with 43 SBA 7(a) loans totaling $15.3M in the public SBA data (as of 2026-03-31).
What is Citizens National Bank of Cheboygan's SBA charge-off rate?
About 2.3% of Citizens National Bank of Cheboygan's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Citizens National Bank of Cheboygan do most of its SBA lending?
Citizens National Bank of Cheboygan's SBA lending in the data is most concentrated in Michigan, and by industry in Accommodation and Food Services.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Citizens National Bank of Cheboygan SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-national-bank-of-cheboygan/
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