BanksCONSUMERS NATIONAL BANK

CONSUMERS NATIONAL BANK

MINERVA, OHLargeEst. Sept. 1, 1965, midnightFDIC #19482RSSD #477321OCC
Latest · 2025-12-31

CONSUMERS NATIONAL BANK is an 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%. CET1 capital ratio: 10.94%, well above regulatory minimums. NPL ratio: 0.10% · Texas Ratio: 0.94%. Operates 22 domestic branches.

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 Margin3.59%
Yield on Assets5.37%
Cost of Funds1.81%

Asset Quality

NPL Ratio0.10%
Net Charge-Off Ratio0.06%
Texas Ratio0.94%
NPA Ratio0.07%
ACL / Loans1.01%

Capital & Liquidity

CET1 Ratio10.94%
Tier 1 Capital10.94%
Total Capital Ratio11.94%
Leverage Ratio8.28%
Loan-to-Deposit80.13%

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