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Osgood Bank
Osgood, OH · FDIC Certificate #9137 · Chartered 01/0
Total assets
$485.77M
Total deposits
$437.34M
Total equity
$42.80M
Net loans
$297.95M
Branches (offices)
5
Net income (YTD)
$3.24M
Rank: #1,823 of 4,213 U.S. banks by assets · #55 of 155 in Ohio. Assets changed 0.5% and deposits 2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 15.83% |
| Net interest margin (YTD) | 3.74% |
| Equity to assets | 8.81% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 27.2% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | 0.28% |
| Loans to deposits | 68.1% |
| Real estate loans (share of loans) | 45.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $136.18M | 45.7% | |
| Commercial & industrial | $161.36M | 54.2% | |
| Consumer / individual | $1.35M | 0.5% | |
| Construction & development | $9.55M | 3.2% | |
| Agricultural | $4.20M | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $357.23M | $328.82M | $2.77M | $24.36M |
| Jun 2023 | $385.05M | $335.10M | $2.08M | $29.61M |
| Jun 2024 | $470.27M | $406.69M | $2.08M | $32.81M |
| Jun 2025 | $483.13M | $425.00M | $3.02M | $37.27M |
| Jun 2026 | $485.77M | $437.34M | $3.24M | $42.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $437.34M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $437.34M.
Similar-sized banks
First Federal Savings Bank Of Lincolnton ($485.77M) · Planters First Bank ($485.69M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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