Advertisement
The Citizens National Bank Of Woodsfield
Woodsfield, OH · FDIC Certificate #6732 · Chartered 12/0
Total assets
$153.93M
Total deposits
$141.93M
Total equity
$11.72M
Net loans
$63.25M
Branches (offices)
4
Net income (YTD)
$797.00K
Rank: #3,278 of 4,213 U.S. banks by assets · #110 of 155 in Ohio. Assets changed 5.1% and deposits 4.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 13.86% |
| Net interest margin (YTD) | 3.53% |
| Equity to assets | 7.62% |
| Tier 1 leverage ratio | 8.88% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.79% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 44.6% |
| Real estate loans (share of loans) | 86.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $54.84M | 86.7% | |
| Commercial & industrial | $5.67M | 9.0% | |
| Consumer / individual | $1.58M | 2.5% | |
| Construction & development | $4.58M | 7.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $159.85M | $154.49M | $350.00K | $5.16M |
| Jun 2023 | $149.22M | $143.55M | $589.00K | $5.49M |
| Jun 2024 | $142.57M | $134.80M | $430.00K | $7.57M |
| Jun 2025 | $146.49M | $136.19M | $556.00K | $10.05M |
| Jun 2026 | $153.93M | $141.93M | $797.00K | $11.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $141.93M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $141.93M.
Similar-sized banks
Heartland State Bank ($154.03M) · Nationwide Trust Company, FSB ($153.59M)
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.
Advertisement