Citizens National Bank of Woodsfield, The
Woodsfield, OH · Cert 6732 · Peer group: banks under $1B in assets in OH (n=70-73) · CNB Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
$153.9MAssets
$63.7MLoans
$141.9MDeposits
$11.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of banks under $1B in assets in OH (rank 12 of 73).
- Widest gap: equity / assets trails 86% of banks under $1B in assets in OH (rank 63 of 73).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.04%
Rank 35 of 73
Net Interest Margin
3.31%
Rank 49 of 73
Efficiency Ratio
63.13%
Rank 27 of 73
Equity / Assets
7.62%
Rank 63 of 73
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 64% 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 | 1.04% | 0.68% | 1.02% | 1.39% | Beats 52% | 35 / 73 | |
| Return on Equity | 13.60% | 5.90% | 9.34% | 13.19% | Beats 75% | 18 / 73 | |
| Net Interest Margin | 3.31% | 3.01% | 3.56% | 4.07% | Beats 33% | 49 / 73 | |
| Efficiency Ratio | 63.13% | 56.91% | 70.77% | 78.74% | Beats 64% | 27 / 73 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.08% | 0.27% | 0.97% | Beats 36% | 46 / 70 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 50% | 36 / 70 | |
| Capital |
| Tier 1 Capital Ratio | 23.30% | 11.44% | 14.23% | 20.15% | Beats 84% | 12 / 73 | |
| Total Risk-Based Capital Ratio | 23.98% | 12.24% | 14.44% | 20.45% | Beats 84% | 12 / 73 | |
| Equity / Assets | 7.62% | 8.75% | 10.85% | 13.32% | Beats 14% | 63 / 73 | |
| Liquidity & Funding |
| Loans / Deposits | 44.85% | 64.48% | 77.70% | 88.37% | 3rd pctl | 68 / 70 | |
| Loans / Assets | 41.36% | 56.60% | 65.67% | 73.89% | 8th pctl | 67 / 73 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |