First Citizens National Bank of Upper Sandusky, The
Upper Sandusky, OH · Cert 14355 · Peer group: banks under $1B in assets in OH (n=68-71)
National charter · OCC · 8 branches
Q2 2026
$389.9MAssets
$245.0MLoans
$327.1MDeposits
$43.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets in OH (rank 11 of 68).
- Widest gap: efficiency ratio trails 87% of banks under $1B in assets in OH (rank 63 of 71).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.47%
Rank 61 of 71
Net Interest Margin
3.53%
Rank 37 of 71
Efficiency Ratio
86.60%
Rank 63 of 71
Equity / Assets
11.17%
Rank 29 of 71
Non-interest income vs. expense
Unfavorable gap of $11.5M · efficiency ratio beats 13% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.62% | 1.02% | 1.39% | Beats 14% | 61 / 71 | |
| Return on Equity | 4.21% | 5.62% | 10.07% | 13.60% | Beats 13% | 62 / 71 | |
| Net Interest Margin | 3.53% | 2.93% | 3.56% | 4.07% | Beats 48% | 37 / 71 | |
| Efficiency Ratio | 86.60% | 55.94% | 70.77% | 78.80% | Beats 13% | 63 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.08% | 0.27% | 0.97% | Beats 85% | 11 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 56% | 31 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 12.59% | 11.18% | 13.77% | 20.34% | Beats 32% | 48 / 71 | |
| Total Risk-Based Capital Ratio | 12.59% | 12.08% | 14.34% | 21.24% | Beats 32% | 48 / 71 | |
| Equity / Assets | 11.17% | 8.41% | 10.74% | 13.32% | Beats 59% | 29 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 74.92% | 64.48% | 76.81% | 87.49% | 46th pctl | 37 / 68 | |
| Loans / Assets | 62.84% | 55.33% | 65.58% | 72.51% | 45th pctl | 39 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |