Bank · FDIC insured
Citizens National Bank
A $397M bank headquartered in Park Rapids, MN, with 1 branch in Minnesota. Best rates: CDs 4.58% and savings 0.50% APY.
Citizens National Bank Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#67 of 172 in MinnesotaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens National Bank
On January 1, 1933, dedicated community leaders opened Citizens National Bank of Park Rapids to provide full-service banking to the Park Rapids area.
The bank relocated to a new building in February 1967 and moved again in August 1993 to its site on 1st Street West.
Today, Citizens National Bank operates as a locally owned bank serving the Park Rapids community.
- Headquarters
- 300 1st St W, Park Rapids, MN 56470
- FDIC certificate
- 5223 ↗
Branches
1 branch in Minnesota
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Minnesota
1 branch
- The Citizens National Bank of Park RapidsMain office300 1st St W, Park Rapids, MN 56470Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.70% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.10% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.93% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio11.70%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.10%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.93%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.