CONSUMERS NATIONAL BANK

MINERVA, OH | Large | Est. Sept. 1, 1965, midnight | FDIC #19482 | RSSD #477321 | OCC
Latest Report: 2025-12-31

CONSUMERS NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in MINERVA, OH, established in Sept. 1, 1965, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 0.94% ROA and 13.38% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 10.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.94%. FDIC Certificate #19482.

Assets

$1.2B

Deposits

$1.1B

Loans

$873M

Equity

$86M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 13.38%
Net Interest Margin (NIM) 3.59%
Yield on Assets 5.37%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.94%
NPA Ratio 0.07%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 10.94%
Tier 1 Capital 10.94%
Total Capital Ratio 11.94%
Leverage Ratio 8.28%
Loan-to-Deposit 80.13%

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