CITIZENS NATIONAL BANK OF BLUFFTON, THE
CITIZENS NATIONAL BANK OF BLUFFTON, THE is an FDIC-insured commercial bank headquartered in BLUFFTON, OH, established in 1920. As of , 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 4.40%. CET1 capital ratio: 10.07%, well above regulatory minimums. NPL ratio: 0.66% · Texas Ratio: 4.74%. Operates 12 domestic branches.
Capital & Liquidity
This is just the summary.
The full dashboard covers 4,394 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.
No credit card required
Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Citizens National Bank of Bluffton, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.07% | 2.43% | 0.66% | 4.74% | 4.40% |
| 2025-09-30 | 9.84% | 2.31% | 0.43% | 3.14% | 4.26% |
| 2025-06-30 | 9.21% | 2.62% | 0.13% | 1.02% | 4.26% |
| 2025-03-31 | 9.70% | 2.37% | 0.12% | 0.91% | 4.12% |
| 2024-12-31 | 9.19% | 2.19% | 0.18% | 1.45% | 3.90% |
| 2024-09-30 | 9.43% | 2.01% | 0.15% | 1.12% | 3.74% |
| 2024-06-30 | 9.02% | 2.03% | 0.18% | 1.42% | 3.60% |
| 2024-03-31 | 9.38% | 1.97% | 0.22% | 1.66% | 3.64% |
Similar banks
Frequently asked about CITIZENS NATIONAL BANK OF BLUFFTON, THE
What are Citizens National Bank of Bluffton, the's total assets?
As of the Q4 2025 filing, Citizens National Bank of Bluffton, the reported total assets of $1.08 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens National Bank of Bluffton, the headquartered?
Citizens National Bank of Bluffton, the is headquartered in BLUFFTON, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens National Bank of Bluffton, the founded?
Citizens National Bank of Bluffton, the was established in 1920, per the FDIC institution directory.
Is Citizens National Bank of Bluffton, the FDIC-insured?
Yes. Citizens National Bank of Bluffton, the is an FDIC-insured commercial bank (FDIC Certificate #6531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens National Bank of Bluffton, the?
Citizens National Bank of Bluffton, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens National Bank of Bluffton, the's CET1 capital ratio?
Citizens National Bank of Bluffton, the reported a Common Equity Tier 1 (CET1) capital ratio of 10.07% in its most recent quarterly filing — above regulatory minimums.
How many branches does Citizens National Bank of Bluffton, the operate?
Citizens National Bank of Bluffton, the operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens National Bank of Bluffton, the's Texas Ratio?
Citizens National Bank of Bluffton, the's Texas Ratio is 4.74% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.