CITIZENS NATIONAL BANK OF WOODSFIELD, THE

WOODSFIELD, OH | Small | Est. Dec. 7, 1933, midnight | FDIC #6732 | RSSD #386825 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF WOODSFIELD, THE is asn small FDIC-insured commercial bank headquartered in WOODSFIELD, OH, established in Dec. 7, 1933, midnight. As of 2025-12-31, the bank reported total assets of $155M and total deposits of $137M. Profitability stands at 0.92% ROA and 12.41% ROE, with a net interest margin of 3.49%. The bank's CET1 capital ratio is 22.22%, 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 #6732.

Assets

$155M

Deposits

$137M

Loans

$63M

Equity

$11M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 12.41%
Net Interest Margin (NIM) 3.49%
Yield on Assets 3.71%
Cost of Funds 0.22%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.64%

Capital & Liquidity

CET1 Ratio 22.22%
Tier 1 Capital 22.22%
Total Capital Ratio 22.90%
Leverage Ratio 8.71%
Loan-to-Deposit 46.10%

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