The Citizens National Bank of Park Rapids: how it compares with its peers
Against 89 MN banks with half to twice its assets, The Citizens National Bank of Park Rapids's strongest measure in Q2 2026 is return on assets (1.93% vs. a 1.35% peer median). Its weakest relative measure is assets per employee ($8.1M vs. $7.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.93% | 1.35% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 3.97% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.66% | 61.04% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.5M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.42% | 82.04% | Context |
What it means for lending operations
Its efficiency ratio of 51.66% is better than the 61.04% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- BankCherokee Saint Paul, MN · $402M
- Crown Bank Edina, MN · $402M
- First State Bank Southwest Pipestone, MN · $410M
- Village Bank Saint Francis, MN · $412M
- Pine Country Bank Little Falls, MN · $380M
- North Star Bank Roseville, MN · $379M
Questions about The Citizens National Bank of Park Rapids
How big is The Citizens National Bank of Park Rapids?
The Citizens National Bank of Park Rapids, established in 1933, is headquartered in Park Rapids, MN. It reported $397M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Citizens National Bank of Park Rapids's return on assets?
1.93% annualized in Q2 2026, against a 1.35% median for 89 MN banks with half to twice its assets, ahead of 84% of them.
What is The Citizens National Bank of Park Rapids's efficiency ratio?
51.66% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 61.04%, and lower is better.
Is The Citizens National Bank of Park Rapids growing its loans?
Net loans grew 9.5% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.