Consumers National Bank
Minerva, OH · Cert 19482 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 25 of 258).
- Widest gap: equity / assets trails 97% of banks $1B-$10B in assets operating in a single state (rank 249 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.92%
Rank 196 of 258
Net Interest Margin
3.23%
Rank 178 of 258
Efficiency Ratio
67.68%
Rank 182 of 257
Equity / Assets
7.03%
Rank 249 of 258
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% | 1.54% | Beats 24% | 196 / 258 | |
| Return on Equity | 13.09% | 9.26% | 11.84% | 14.74% | Beats 61% | 100 / 258 | |
| Net Interest Margin | 3.23% | 3.16% | 3.49% | 3.88% | Beats 31% | 178 / 258 | |
| Efficiency Ratio | 67.68% | 51.71% | 60.30% | 69.65% | Beats 30% | 182 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.19% | 0.46% | 0.90% | Beats 91% | 25 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 54% | 120 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.91% | 11.41% | 12.98% | 15.12% | Beats 20% | 206 / 258 | |
| Total Risk-Based Capital Ratio | 11.93% | 12.10% | 13.91% | 16.08% | Beats 22% | 201 / 258 | |
| Equity / Assets | 7.03% | 9.09% | 10.24% | 11.72% | Beats 3% | 249 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 83.72% | 73.24% | 86.34% | 95.95% | 43rd pctl | 148 / 258 | |
| Loans / Assets | 73.36% | 63.01% | 72.27% | 78.40% | 54th pctl | 119 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |