CITIZENS NATIONAL BANK OF BLUFFTON, THE

BLUFFTON, OH | Large | Est. Jan. 13, 1920, midnight | FDIC #6531 | RSSD #738013 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF BLUFFTON, THE is aln large FDIC-insured commercial bank headquartered in BLUFFTON, OH, established in Jan. 13, 1920, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $794M. Profitability stands at 2.43% ROA and 24.43% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 9.88%. Asset quality metrics show a non-performing loan ratio of 0.62% and a Texas Ratio of 4.40%. FDIC Certificate #6531.

Assets

$1.1B

Deposits

$794M

Loans

$869M

Equity

$108M

Profitability

Return on Assets (ROA) 2.43%
Return on Equity (ROE) 24.43%
Net Interest Margin (NIM) 4.72%
Yield on Assets 6.35%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.62%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.40%
NPA Ratio 0.50%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 9.88%
Tier 1 Capital 9.88%
Total Capital Ratio 10.37%
Leverage Ratio 11.43%
Loan-to-Deposit 109.41%

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