Consumers National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Consumers National Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $1.3 billion at June 30, 2026, up 9.9% from a year earlier; it is based in Minerva, Ohio. It holds common equity equal to 10.91% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it carries problem assets equal to 0.7% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $3.0 million. Over the same year, loans grew 15.3% and deposits grew 8.1%. Profitability lags: it earns about $0.96 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Consumers National Bank reported a CET1 capital ratio of 10.91%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.66%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 614 E Lincolnway, Minerva, OH 44657
- County
- Stark
- Metro Area
- Canton-Massillon, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1965
- Offices
- 23 domestic
- Employees (FTE)
- 198
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $1.26B
- Average total loans
- $913.0M
- Average interest-bearing deposits
- $868.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 1, 1965
- FDIC Cert
- 19482
- Fed RSSD
- 477321
- SEC CIK
- 1006830 → filed by CONSUMERS BANCORP, INC.
- Website
- www.consumers.bank →
- Parent Holding Company
- CONSUMERS BANCORP, INC. (RSSD 2286228) · CBKM
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ralph J Lober Ii | CEO | CEO & President |
| Renee Wood | CFO | EVP & Chief Financial Officer |
| Suzanne N Mikes | CCO | EVP, Chief Credit Officer |
| Kimberly K Chuckalovchak | CIO | SVP, Chief Information Officer |
| Stephen G Karapasha | CRO | SVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Consumers National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Consumers National Bank, freeConsumers National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.91% | 0.96% | 0.07% | 0.66% | 3.47% |
| Q1 2026 | 11.06% | 0.93% | 0.06% | 0.44% | 3.49% |
| Q4 2025 | 10.94% | 0.92% | 0.11% | 0.69% | 3.47% |
| Q3 2025 | 11.02% | 0.91% | 0.12% | 0.72% | 3.40% |
| Q2 2025 | 10.99% | 0.81% | 0.13% | 0.86% | 3.38% |
| Q1 2025 | 11.38% | 0.67% | 0.12% | 0.80% | 3.22% |
| Q4 2024 | 11.34% | 0.83% | 0.11% | 0.86% | 3.12% |
| Q3 2024 | 11.13% | 0.82% | 0.12% | 0.72% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 23 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Consumers National Bank (main office) | Minerva , OH | 44657 | $154.1M |
| Carrollton Branch | Carrollton , OH | 44615 | $102.7M |
| Salem Branch | Salem , OH | 44460 | $90.1M |
| Lisbon Branch | Lisbon , OH | 44432 | $83.8M |
| Alliance Branch | Alliance , OH | 44601 | $60.0M |
| Malvern Branch | Malvern , OH | 44644 | $59.6M |
| Jackson Belden Branch | Canton , OH | 44718 | $55.5M |
| Foulk Drive Branch | East Liverpool , OH | 43920 | $54.2M |
| Waynesburg Branch | Waynesburg , OH | 44688 | $47.9M |
| Hartville Office Branch | Hartville , OH | 44632 | $46.0M |
| Main Street Branch | Wellsville , OH | 43968 | $45.8M |
| East Canton Branch | East Canton , OH | 44730 | $39.6M |
| Brewster Office | Brewster , OH | 44613 | $35.9M |
| Louisville Office Branch | Louisville , OH | 44641 | $34.5M |
| Bergholz Branch | Bergholz , OH | 43908 | $32.8M |
| Adena Branch | Adena , OH | 43901 | $32.6M |
| Mount Pleasant Branch | Mount Pleasant , OH | 43939 | $27.5M |
| Green Branch | Uniontown , OH | 44685 | $24.0M |
| Hanoverton Branch | Hanoverton , OH | 44423 | $21.8M |
| Dillonvale Branch | Dillonvale , OH | 43917 | $21.8M |
| Fairlawn Office | Fairlawn , OH | 44333 | $21.7M |
| Massillon Office Branch | Massillon , OH | 44646 | $15.0M |
| Canton Branch | Canton , OH | 44702 | $14.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired The Peoples National Bank of Mount Pleasant Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Consumers National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- January 16, 1991, OCC: Civil Money Penalty (CMP): Consumers National Bank
- Period: Most recent institution action January 16, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OH, rank 35 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 26 loans, $7.8M approved, $299K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Consumers National Bank
What are Consumers National Bank's total assets?
As of the Q2 2026 filing, Consumers National Bank reported total assets of $1.28 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Consumers National Bank headquartered?
Consumers National Bank is headquartered in Minerva, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Consumers National Bank founded?
Consumers National Bank was established in 1965, per the FDIC institution directory.
Is Consumers National Bank FDIC-insured?
Yes. Consumers National Bank is an FDIC-insured commercial bank (FDIC Certificate #19482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Consumers National Bank?
Consumers National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Consumers National Bank's CET1 capital ratio?
Consumers National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does Consumers National Bank operate?
Consumers National Bank operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Consumers National Bank's Texas Ratio?
Consumers National Bank's Texas Ratio is 0.66% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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