Consumers National Bank
Minerva, OH · Cert 19482 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Consumers Bcorp Inc.
National charter · OCC · 23 branches
Q2 2026
$1.3BAssets
$938.6MLoans
$1.1BDeposits
$89.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 26 of 267).
- Widest gap: equity / assets trails 97% of banks $1B-$10B in assets operating in a single state (rank 259 of 267).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.92%
Rank 202 of 267
Net Interest Margin
3.23%
Rank 184 of 267
Efficiency Ratio
67.68%
Rank 188 of 266
Equity / Assets
7.03%
Rank 259 of 267
Non-interest income vs. expense
Unfavorable gap of $25.6M · efficiency ratio beats 30% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.93% | 1.23% | 1.55% | Beats 24% | 202 / 267 | |
| Return on Equity | 13.09% | 9.16% | 11.84% | 14.56% | Beats 62% | 101 / 267 | |
| Net Interest Margin | 3.23% | 3.12% | 3.50% | 3.88% | Beats 31% | 184 / 267 | |
| Efficiency Ratio | 67.68% | 51.36% | 60.21% | 69.66% | Beats 30% | 188 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.19% | 0.46% | 0.89% | Beats 91% | 26 / 267 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 55% | 123 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 10.91% | 11.29% | 13.05% | 15.13% | Beats 21% | 211 / 267 | |
| Total Risk-Based Capital Ratio | 11.93% | 11.95% | 13.87% | 16.27% | Beats 24% | 203 / 267 | |
| Equity / Assets | 7.03% | 9.18% | 10.29% | 11.76% | Beats 3% | 259 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 83.72% | 72.68% | 86.16% | 95.22% | 43rd pctl | 152 / 267 | |
| Loans / Assets | 73.36% | 62.46% | 71.96% | 78.38% | 54th pctl | 122 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |