BanksCITIZENS NATIONAL BANK OF WOODSFIELD, THE

CITIZENS NATIONAL BANK OF WOODSFIELD, THE

WOODSFIELD, OHSmallEst. Dec. 7, 1933, midnightFDIC #6732RSSD #386825OCC
Latest · 2025-12-31

CITIZENS NATIONAL BANK OF WOODSFIELD, THE is an 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%. CET1 capital ratio: 22.22%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 4 domestic branches.

Assets
$155M
Deposits
$137M
Loans
$63M
Equity
$11M

Profitability

Return on Assets (ROA)0.92%
Return on Equity (ROE)12.41%
Net Interest Margin3.49%
Yield on Assets3.71%
Cost of Funds0.22%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.64%

Capital & Liquidity

CET1 Ratio22.22%
Tier 1 Capital22.22%
Total Capital Ratio22.90%
Leverage Ratio8.71%
Loan-to-Deposit46.10%

This is just the summary.

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