Citizens National Bank is the largest community bank in Northern Michigan. The Bank was established on January 24, 1931 and has been operating under the same name and at the same location in Cheboygan ever since. The Bank has 8 full-service branches located in Cheboygan, Emmet and Presque Isle counties;. The Bank is owned entirely by CNB Corporation, a publicly owned company. As of December 30, 2020 CNB Corporation had approximately 1,000 shareholders. The shareholders of CNB Corporation reside principally within the Bank’s market area of Cheboygan, Presque Isle and Emmet counties. The stock’s symbol is CNBZ and the current stock price can be found at www.cnbismybank.com/shareholder-relations The Bank presently has 85 full-time employees with average tenure of the full time employee of 9 years. The Bank’s main office is in Cheboygan with additional full service branches located in Onaway, Mackinaw City, Indian River, Alanson, and Petoskey. In the Village of Pellston, located in Emmet County, the branch is a 24-hour E- Branch. As a community bank, Citizens National takes pride in contributing to the communities it serves, not only monetarily but in service as well. The directors, officers and staff are involved in over 83 local non profit organizations and donated over 2914 hours of their time and expertise in 2019. Member FDIC Equal Housing Lender

Alden State Bank is a banking company based out of 2440 N M 88 Hwy, Central Lake, Michigan, United States.

Membership is open to ANYONE who lives, works, worships, attends school or regularly conducts business in Emmet, Charlevoix and Cheboygan counties. St. Francis X FCU’s mission is to be the premier provider of financial services for all residents of Northern Michigan. To achieve this goal we will sustain a culture of never-ending improvement, commit to maximum customer value, operate with integrity and honesty in all relationships, actively support our community, and pursue the application of innovations in current and future technologies.