Bank Safety Analysis
Is The Citizens National Bank of Bluffton Safe? Bluffton, Ohio
Based on its Q3 2026 call report, The Citizens National Bank of Bluffton meets the community bank leverage ratio test for well capitalized, its Texas ratio is 5.38%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Citizens National Bank of Bluffton safe?
On its Q3 2026 call report, The Citizens National Bank of Bluffton's Community Bank Leverage Ratio is 11.08%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 11.08%
- Texas ratio (Q3 2026): 5.38%
- Noncurrent loans ratio (Q3 2026): 0.67%
The Citizens National Bank of Bluffton is an FDIC-insured commercial bank (FDIC Certificate #6531). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Citizens National Bank of Bluffton (FDIC Certificate #6531) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Citizens National Bank of Bluffton passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital.
The biggest quarter-over-quarter change on this page was a small one: return on assets edged up 0.10 percentage points between Q2 2026 and Q3 2026, to 2.59%. The Citizens National Bank of Bluffton ranks 69th of 154 Ohio banks on leverage ratio, in the upper half at 11.08% (Q3 2026). The Citizens National Bank of Bluffton reported 11.08% on leverage ratio for Q3 2026, 0.54 points above the 10.54% median for banks in the $1B-10B asset tier.
From Q4 2023 to Q3 2026, The Citizens National Bank of Bluffton's Texas ratio ranged between 0.78% (Q1 2025) and 5.38% (Q3 2026). Between Q3 2025 and Q3 2026, The Citizens National Bank of Bluffton's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.43% to 0.67%, Texas ratio rose from 3.13% to 5.38% and return on assets rose from 2.26% to 2.59%.
The Citizens National Bank of Bluffton ranks as the 35th largest of the 154 banks based in Ohio, by total assets at Q3 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $238.0M of $889.2M in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, The Citizens National Bank of Bluffton's community bank leverage ratio of 11.08% is above the 10.54% median, nonperforming loans ratio of 0.67% is above the 0.54% median, Texas ratio of 5.38% is above the 3.95% median, and efficiency ratio of 47.06% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Citizens National Bank of Bluffton's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The Citizens National Bank of Bluffton score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does The Citizens National Bank of Bluffton trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 5.38% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.67% | Within range |
| Uninsured deposit share BankRegReports band | 39.87% | Within range |
| Loan-to-deposit ratio BankRegReports band | 105.73% | Flagged |
| Commercial real estate to capital BankRegReports band | 249.90% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 5.38% |
| Q2 2026 | 4.90% |
| Q1 2026 | 4.87% |
| Q4 2025 | 4.40% |
| Q3 2025 | 3.13% |
| Q2 2025 | 0.87% |
| Q1 2025 | 0.78% |
| Q4 2024 | 1.24% |
| Q3 2024 | 0.99% |
| Q2 2024 | 0.96% |
| Q1 2024 | 1.15% |
| Q4 2023 | 3.96% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $238.0M
- Owner-occupied commercial real estate loans: $160.5M
- 1-4 family residential loans: $139.1M
- Commercial and industrial loans: $86.4M
- Construction and land development loans: $55.7M
- Multifamily loans: $49.2M
- Agricultural production loans: $43.4M
- All other loans: $8.6M
How have The Citizens National Bank of Bluffton's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $1.09B | 11.08% | 0.67% | 5.38% | 47.06% |
| Jun 30, 2026 | $1.10B | 11.02% | 0.66% | 4.90% | 49.03% |
| Mar 31, 2026 | $1.08B | 11.44% | 0.68% | 4.87% | 50.48% |
| Dec 31, 2025 | $1.08B | 11.43% | 0.62% | 4.40% | 50.68% |
| Sep 30, 2025 | $1.06B | 11.19% | 0.43% | 3.13% | 49.22% |
| Jun 30, 2025 | $1.07B | 11.13% | 0.11% | 0.87% | 44.57% |
| Mar 31, 2025 | $1.05B | 11.37% | 0.11% | 0.78% | 47.21% |
| Dec 31, 2024 | $1.06B | 11.21% | 0.16% | 1.24% | 49.37% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Citizens National Bank of Bluffton FDIC insured?
Yes. The Citizens National Bank of Bluffton is an FDIC-insured commercial bank (FDIC Certificate #6531). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Citizens National Bank of Bluffton well capitalized?
On its Q3 2026 call report, The Citizens National Bank of Bluffton's Community Bank Leverage Ratio is 11.08%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The Citizens National Bank of Bluffton's key safety ratios?
For Q3 2026, The Citizens National Bank of Bluffton reports leverage 11.08%, Texas ratio 5.38%, noncurrent loans 0.67%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if The Citizens National Bank of Bluffton fails?
For Q3 2026, The Citizens National Bank of Bluffton reported $841.0M in total deposits, 39.87% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Citizens National Bank of Bluffton profile.
How we score this
The Citizens National Bank of Bluffton elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio The Citizens National Bank of Bluffton is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 6531) · FFIEC NIC profile (RSSD 738013)
Explore: Full The Citizens National Bank of Bluffton profile · Other banks in OH · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.