Citizens National Bank of Woodsfield, The
Woodsfield, OH · Cert 6732 · Peer group: banks under $1B in assets in OH (n=68-71) · 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 83% of banks under $1B in assets in OH (rank 12 of 71).
- Widest gap: equity / assets trails 86% of banks under $1B in assets in OH (rank 61 of 71).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.04%
Rank 35 of 71
Net Interest Margin
3.31%
Rank 47 of 71
Efficiency Ratio
63.13%
Rank 27 of 71
Equity / Assets
7.62%
Rank 61 of 71
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 63% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.62% | 1.02% | 1.39% | Beats 51% | 35 / 71 | | |
| Return on Equity | 13.60% | 5.62% | 10.07% | 13.60% | Beats 75% | 18 / 71 | | |
| Net Interest Margin | 3.31% | 2.93% | 3.56% | 4.07% | Beats 34% | 47 / 71 | | |
| Efficiency Ratio | 63.13% | 55.94% | 70.77% | 78.80% | Beats 63% | 27 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.08% | 0.27% | 0.97% | Beats 35% | 45 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 49% | 36 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 23.30% | 11.18% | 13.77% | 20.34% | Beats 83% | 12 / 71 | | |
| Total Risk-Based Capital Ratio | 23.98% | 12.08% | 14.34% | 21.24% | Beats 83% | 12 / 71 | | |
| Equity / Assets | 7.62% | 8.41% | 10.74% | 13.32% | Beats 14% | 61 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.85% | 64.48% | 76.81% | 87.49% | 3rd pctl | 66 / 68 | | |
| Loans / Assets | 41.36% | 55.33% | 65.58% | 72.51% | 8th pctl | 65 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |