Osgood Bank
Osgood, OH · Cert 9137 · Peer group: banks under $1B in assets in OH (n=69-72) · 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 72).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in OH (rank 67 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.34%
Rank 20 of 72
Net Interest Margin
3.57%
Rank 34 of 72
Efficiency Ratio
60.42%
Rank 24 of 72
Equity / Assets
8.81%
Rank 52 of 72
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% | 0.68% | 1.03% | 1.39% | Beats 72% | 20 / 72 | | |
| Return on Equity | 15.15% | 5.90% | 10.07% | 13.60% | Beats 83% | 12 / 72 | | |
| Net Interest Margin | 3.57% | 3.01% | 3.56% | 4.07% | Beats 53% | 34 / 72 | | |
| Efficiency Ratio | 60.42% | 56.91% | 70.77% | 78.80% | Beats 68% | 24 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.08% | 0.27% | 0.97% | Beats 46% | 38 / 69 | | |
| Net Charge-Offs / Loans | 0.16% | n/a | 0.00% | 0.04% | Beats 4% | 67 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 11.44% | 14.23% | 20.34% | Beats 39% | 44 / 72 | | |
| Total Risk-Based Capital Ratio | 14.23% | 12.24% | 14.44% | 21.24% | Beats 47% | 38 / 72 | | |
| Equity / Assets | 8.81% | 8.75% | 10.85% | 13.51% | Beats 28% | 52 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.39% | 64.48% | 76.81% | 87.49% | 36th pctl | 44 / 69 | | |
| Loans / Assets | 62.47% | 56.60% | 65.67% | 73.89% | 43rd pctl | 41 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |