Banks OSGOOD BANK

OSGOOD BANK

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

OSGOOD BANK is an 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%. CET1 capital ratio: 12.32%, well above regulatory minimums. NPL ratio: 0.73% · Texas Ratio: 4.84%.

Assets
$509M
Deposits
$448M
Loans
$298M
Equity
$39M

Profitability

Return on Assets (ROA)0.92%
Return on Equity (ROE)11.84%
Net Interest Margin3.86%
Yield on Assets5.89%
Cost of Funds2.05%

Asset Quality

NPL Ratio0.73%
Net Charge-Off Ratio0.00%
Texas Ratio4.84%
NPA Ratio0.43%
ACL / Loans2.01%

Capital & Liquidity

CET1 Ratio12.32%
Tier 1 Capital12.32%
Total Capital Ratio13.57%
Leverage Ratio8.97%
Loan-to-Deposit66.51%

This is just the summary.

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