The Citizens National Bank of Bluffton: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2.88 percentage points lower than in Q1 2026, at 212.35%. On return on assets, The Citizens National Bank of Bluffton ranks 7th highest among the 156 banks headquartered in Ohio, at 2.48% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, The Citizens National Bank of Bluffton reported 2.48% on return on assets in Q2 2026, 1.21 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.02% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 9.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.26% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 212.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.48% |
| Return on equity | 25.72% |
| Net interest margin | 4.39% |
| Efficiency ratio | 49.03% |
| Yield on earning assets | 5.90% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.21% |
| Core deposits to total deposits | 88.08% |
| Brokered deposits to total deposits | 5.40% |
| Deposits to assets | 78.27% |
| Securities to assets | 16.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.87% | 2.37% | 3.63% | 0.65% | 0.00% |
| Q4 2023 | 11.34% | 2.11% | 3.72% | 0.76% | 0.00% |
| Q1 2024 | 11.34% | 1.94% | 3.61% | 0.22% | -0.01% |
| Q2 2024 | 10.91% | 2.00% | 3.58% | 0.18% | 0.08% |
| Q3 2024 | 10.91% | 1.99% | 3.72% | 0.15% | -0.00% |
| Q4 2024 | 11.21% | 2.16% | 3.87% | 0.18% | 0.00% |
| Q1 2025 | 11.37% | 2.34% | 4.10% | 0.12% | 0.00% |
| Q2 2025 | 11.13% | 2.58% | 4.24% | 0.13% | -0.00% |
| Q3 2025 | 11.19% | 2.26% | 4.24% | 0.43% | -0.00% |
| Q4 2025 | 11.43% | 2.41% | 4.38% | 0.66% | -0.01% |
| Q1 2026 | 11.44% | 2.36% | 4.25% | 0.71% | -0.00% |
| Q2 2026 | 11.02% | 2.48% | 4.39% | 0.71% | -0.00% |
The Citizens National Bank of Bluffton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Bluffton, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens National Bank of Bluffton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6531) · FFIEC NIC profile (RSSD 738013)