Banks CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE

CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE

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

CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE is an 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%. CET1 capital ratio: 10.37%, well above regulatory minimums. NPL ratio: 1.54% · Texas Ratio: 12.80%.

Assets
$109M
Deposits
$88M
Loans
$76M
Equity
$11M

Profitability

Return on Assets (ROA)0.99%
Return on Equity (ROE)9.67%
Net Interest Margin4.45%
Yield on Assets6.14%
Cost of Funds1.75%

Asset Quality

NPL Ratio1.54%
Net Charge-Off Ratio0.16%
Texas Ratio12.80%
NPA Ratio1.41%
ACL / Loans0.97%

Capital & Liquidity

CET1 Ratio10.37%
Tier 1 Capital10.37%
Total Capital Ratio10.89%
Leverage Ratio11.45%
Loan-to-Deposit86.53%

This is just the summary.

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