OSGOOD BANK

OSGOOD, OH | Medium | Est. Jan. 1, 1915, midnight | FDIC #9137 | RSSD #313223 | FDIC
Latest Report: 2025-12-31

OSGOOD BANK is amn medium FDIC-insured commercial bank headquartered in OSGOOD, OH, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $509M and total deposits of $448M. Profitability stands at 0.92% ROA and 11.84% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 12.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.73% and a Texas Ratio of 4.84%. FDIC Certificate #9137.

Assets

$509M

Deposits

$448M

Loans

$298M

Equity

$39M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 11.84%
Net Interest Margin (NIM) 3.86%
Yield on Assets 5.89%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.73%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.84%
NPA Ratio 0.43%
ACL / Loans 2.01%

Capital & Liquidity

CET1 Ratio 12.32%
Tier 1 Capital 12.32%
Total Capital Ratio 13.57%
Leverage Ratio 8.97%
Loan-to-Deposit 66.51%

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