CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE

MCCONNELSVILLE, OH | Small | Est. Feb. 1, 1900, midnight | FDIC #6638 | RSSD #685023 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE is asn small FDIC-insured commercial bank headquartered in MCCONNELSVILLE, OH, established in Feb. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $109M and total deposits of $88M. Profitability stands at 0.99% ROA and 9.67% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 10.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.54% and a Texas Ratio of 12.80%. FDIC Certificate #6638.

Assets

$109M

Deposits

$88M

Loans

$76M

Equity

$11M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 9.67%
Net Interest Margin (NIM) 4.45%
Yield on Assets 6.14%
Cost of Funds 2.15%

Asset Quality

NPL Ratio 1.54%
Net Charge-Off Ratio 0.16%
Texas Ratio 12.80%
NPA Ratio 1.41%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 10.37%
Tier 1 Capital 10.37%
Total Capital Ratio 10.89%
Leverage Ratio 11.45%
Loan-to-Deposit 86.53%

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