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The First Citizens National Bank Of Upper Sandusky
Upper Sandusky, OH · FDIC Certificate #14355 · Chartered 12/0
Total assets
$389.93M
Total deposits
$327.06M
Total equity
$43.57M
Net loans
$242.55M
Branches (offices)
8
Net income (YTD)
$918.00K
Rank: #2,099 of 4,213 U.S. banks by assets · #62 of 155 in Ohio. Assets changed 6.9% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.48% |
| Return on equity | 4.25% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 11.17% |
| Tier 1 leverage ratio | 12.59% |
| Uninsured deposits (share of deposits) | 15.8% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 74.2% |
| Real estate loans (share of loans) | 91.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $222.48M | 91.7% | |
| Commercial & industrial | $10.71M | 4.4% | |
| Consumer / individual | $1.28M | 0.5% | |
| Construction & development | $10.04M | 4.1% | |
| Agricultural | $10.39M | 4.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $368.52M | $323.96M | $459.00K | $33.86M |
| Jun 2023 | $368.05M | $302.19M | $1.44M | $34.55M |
| Jun 2024 | $370.74M | $306.96M | $840.00K | $36.78M |
| Jun 2025 | $364.75M | $311.93M | $984.00K | $40.87M |
| Jun 2026 | $389.93M | $327.06M | $918.00K | $43.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $327.06M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $327.06M.
Similar-sized banks
Bloomsdale Bank ($390.19M) · Lakeside Bank ($389.19M)
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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