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The St. Henry Bank
St. Henry, OH · FDIC Certificate #9871 · Chartered 01/0
Total assets
$435.57M
Total deposits
$384.51M
Total equity
$47.51M
Net loans
$244.59M
Branches (offices)
3
Net income (YTD)
$6.11M
Rank: #1,952 of 4,213 U.S. banks by assets · #59 of 155 in Ohio. Assets changed -9.3% and deposits -10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.57% |
| Return on equity | 25.30% |
| Net interest margin (YTD) | 3.90% |
| Equity to assets | 10.91% |
| Tier 1 leverage ratio | 13.61% |
| Uninsured deposits (share of deposits) | 32.3% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | -0.16% |
| Loans to deposits | 63.6% |
| Real estate loans (share of loans) | 88.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $216.53M | 88.5% | |
| Commercial & industrial | $23.77M | 9.7% | |
| Consumer / individual | $1.81M | 0.7% | |
| Construction & development | $18.95M | 7.7% | |
| Agricultural | $1.61M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $390.75M | $350.67M | $3.55M | $35.52M |
| Jun 2023 | $386.22M | $348.27M | $4.46M | $35.05M |
| Jun 2024 | $396.12M | $343.09M | $4.48M | $38.98M |
| Jun 2025 | $480.39M | $428.66M | $5.29M | $41.63M |
| Jun 2026 | $435.57M | $384.51M | $6.11M | $47.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $384.51M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $384.51M.
Similar-sized banks
Eureka Savings Bank ($435.79M) · Freedombank ($433.88M)
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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