| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Citizens National Bank of Cheboygan | Bank | 5 | $263.7M | 42.48% |
| 2 | PNC Bank, National Association | Bank | 1 | $93.1M | 15.00% |
| 3 | Straits Area Federal Credit Union | Credit union | 3 | $82.7M* | 13.32% |
| 4 | Alpena-Alcona Area Credit Union | Credit union | 1 | $60.6M* | 9.77% |
| 5 | Awakon Federal Credit Union | Credit union | 2 | $58.0M* | 9.35% |
| 6 | Nicolet National Bank | Bank | 1 | $42.0M | 6.76% |
| 7 | First Community Bank | Bank | 1 | $20.6M | 3.32% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 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 | $628.9M | 7 | 13 | Citizens National Bank of Cheboygan | 45.4% | 2,622 |
| 2022 | $587.0M | 6 | 12 | Citizens National Bank of Cheboygan | 48.2% | 2,981 |
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