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The Savings Bank
Circleville, OH · FDIC Certificate #13216 · Chartered 04/2
Total assets
$520.06M
Total deposits
$450.23M
Total equity
$53.34M
Net loans
$387.25M
Branches (offices)
6
Net income (YTD)
$1.62M
Rank: #1,738 of 4,213 U.S. banks by assets · #54 of 155 in Ohio. Assets changed 0.1% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 6.15% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 10.26% |
| Tier 1 leverage ratio | 9.42% |
| Uninsured deposits (share of deposits) | 28.0% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 86.0% |
| Real estate loans (share of loans) | 91.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $355.07M | 91.7% | |
| Commercial & industrial | $23.25M | 6.0% | |
| Consumer / individual | $11.56M | 3.0% | |
| Construction & development | $11.49M | 3.0% | |
| Agricultural | $725.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $533.77M | $466.33M | $722.00K | $45.16M |
| Jun 2023 | $546.51M | $461.86M | $925.00K | $42.99M |
| Jun 2024 | $549.98M | $466.24M | $1.37M | $45.46M |
| Jun 2025 | $519.68M | $439.33M | $1.31M | $50.09M |
| Jun 2026 | $520.06M | $450.23M | $1.62M | $53.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $450.23M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $450.23M.
Similar-sized banks
Iowa Trust & Savings Bank ($521.98M) · State Bank Of De Kalb ($519.89M)
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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