FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE

UPPER SANDUSKY, OH | Small | Est. Dec. 1, 1902, midnight | FDIC #14355 | RSSD #230423 | OCC
Latest Report: 2025-12-31

FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE is asn small FDIC-insured commercial bank headquartered in UPPER SANDUSKY, OH, established in Dec. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $368M and total deposits of $307M. Profitability stands at 0.22% ROA and 1.93% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 11.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14355.

Assets

$368M

Deposits

$307M

Loans

$225M

Equity

$43M

Profitability

Return on Assets (ROA) 0.22%
Return on Equity (ROE) 1.93%
Net Interest Margin (NIM) 3.85%
Yield on Assets 4.67%
Cost of Funds 0.89%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 11.62%
Tier 1 Capital 11.62%
Total Capital Ratio 12.20%
Leverage Ratio 13.02%
Loan-to-Deposit 73.16%

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