Osgood Bank
Osgood, OH · Cert 9137 · Peer group: banks under $1B in assets in OH (n=68-71) · Osb Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$485.8MAssets
$303.5MLoans
$437.3MDeposits
$42.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets in OH (rank 12 of 71).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in OH (rank 66 of 68).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.34%
Rank 20 of 71
Net Interest Margin
3.57%
Rank 34 of 71
Efficiency Ratio
60.42%
Rank 24 of 71
Equity / Assets
8.81%
Rank 51 of 71
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 68% 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 | 1.34% | 0.62% | 1.02% | 1.39% | Beats 72% | 20 / 71 | | |
| Return on Equity | 15.15% | 5.62% | 10.07% | 13.60% | Beats 83% | 12 / 71 | | |
| Net Interest Margin | 3.57% | 2.93% | 3.56% | 4.07% | Beats 52% | 34 / 71 | | |
| Efficiency Ratio | 60.42% | 55.94% | 70.77% | 78.80% | Beats 68% | 24 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.08% | 0.27% | 0.97% | Beats 46% | 38 / 68 | | |
| Net Charge-Offs / Loans | 0.16% | n/a | 0.00% | 0.05% | Beats 4% | 66 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 11.18% | 13.77% | 20.34% | Beats 39% | 43 / 71 | | |
| Total Risk-Based Capital Ratio | 14.23% | 12.08% | 14.34% | 21.24% | Beats 48% | 37 / 71 | | |
| Equity / Assets | 8.81% | 8.41% | 10.74% | 13.32% | Beats 28% | 51 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.39% | 64.48% | 76.81% | 87.49% | 37th pctl | 43 / 68 | | |
| Loans / Assets | 62.47% | 55.33% | 65.58% | 72.51% | 44th pctl | 40 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |