| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Citizens National Bank of Cheboygan | Bank | 5 | $254.3M | 43.45% |
| 2 | PNC Bank, National Association | Bank | 1 | $92.8M | 15.85% |
| 3 | Alpena-Alcona Area Credit Union | Credit union | 1 | $65.3M* | 11.15% |
| 4 | Straits Area Federal Credit Union | Credit union | 2 | $57.8M* | 9.88% |
| 5 | Awakon Federal Credit Union | Credit union | 2 | $49.3M* | 8.42% |
| 6 | Nicolet National Bank | Bank | 1 | $45.7M | 7.81% |
| 7 | First Community Bank | Bank | 1 | $20.1M | 3.44% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $585.2M | 7 | 13 | Citizens National Bank of Cheboygan | 43.5% | 2,505 |
| 2025 | $620.7M | 7 | 14 | Citizens National Bank of Cheboygan | 42.5% | 2,447 |
| 2024 | $565.3M | 7 | 13 | Citizens National Bank of Cheboygan | 43.4% | 2,490 |
| 2023 | $630.7M | 7 | 13 | Citizens National Bank of Cheboygan | 45.3% | 2,612 |
| 2022 | $587.9M | 6 | 12 | Citizens National Bank of Cheboygan | 48.1% | 2,975 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.