The Citizens National Bank of McConnelsville
Also written as CNB of McConnelsville
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Data as of · sourced from FFIEC call reports. How we update
The Citizens National Bank of McConnelsville is an FDIC-insured commercial bank headquartered in McConnelsville, OH, supervised by the OCC, with $102.1M in total assets at Q2 2026, down 8.2% from Q2 2025, the 130th largest of 154 banks headquartered in Ohio. It was established in 1900 and holds FDIC certificate 6638. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6638
- Headquarters
- McConnelsville, OH
- Established
- 1900
- Total assets, Q2 2026
- $102.1M
- Assets vs Q2 2025
- -8.2%
- Tier 1 leverage ratio, Q2 2026
- 12.24%
- Domestic offices
- 2 · The Citizens National Bank of McConnelsville branches FDIC institution directory, current count
- Routing number
- 044106397
- Safety and soundness
- Is The Citizens National Bank of McConnelsville safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens National Bank of McConnelsville call report
- Holding company
- CNB HOLDINGS, INC.
- Asset rank in state
- 130th of 154 in Ohio
Problem loans are rising at The Citizens National Bank of McConnelsville. It reported $102 million in assets at June 30, 2026, down 8.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.66% of loans from 0.59% a year earlier. It shrank its loan book 5.0% over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 5.5%). It also holds commercial real estate loans equal to only 40% of its capital, about a third the median of 1.2 times for banks its size.
Credit is the area to watch: it carries problem assets equal to 9.7% of the capital and reserves that would absorb them, 3.7 times the median of 2.7% for banks its size.
As of June 30, 2026, The Citizens National Bank of McConnelsville reported a return on assets of 0.99%, a nonperforming-loan ratio of 1.66% and a Texas ratio of 9.75%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Citizens National Bank of McConnelsville is the 130th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.9% to $102.1M, loans fell 3.1% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 71.1% of total loans, followed by commercial and industrial loans at 7.4%. Its 2 offices in the FDIC Summary of Deposits are in Mcconnelsville, OH and Duncan Falls, OH; its Mcconnelsville office books 66% of its branch deposits. On its Q2 2026 call report, The Citizens National Bank of McConnelsville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Main St, McConnelsville, OH 43756
- County
- Morgan
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1900
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $85.2M
- Allowance for credit losses
- $772K
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $105.9M
- Average total loans
- $72.9M
- Average interest-bearing deposits
- $69.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6638
- Fed RSSD
- 685023
- Website
- www.cnbmoco.com →
- Parent Holding Company
- CNB HOLDINGS, INC. (RSSD 2951106)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Citizens National Bank of McConnelsville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Citizens National Bank of McConnelsville's total assets ran between $102.1M (Q2 2026) and $112.6M (Q3 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$102.1M total assets against $111.3M; $90.6M total liabilities against $100.4M.
$71.4M net loans and leases against $75.2M; $85.2M total deposits against $92.6M.
$20.0M securities against $19.8M; $5.7M cash and balances due against $10.7M.
$1.5M total interest income against $1.6M; $379K total interest expense against $493K.
$1.1M net interest income against $1.1M.
$61K total noninterest income against $112K; $861K total noninterest expense against $851K.
$6K provision for credit losses against $30K.
$262K net income against $283K.
0.99% return on assets against 1.02%; 4.48% net interest margin against 4.10%.
12.24% tier 1 leverage ratio against 11.25%.
Inside the full The Citizens National Bank of McConnelsville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens National Bank of McConnelsville rankings
Its closest position to the top of a national ranking is 664 of 3,640, for Texas Ratio; its furthest is 3,651 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.34% (Q3 2024) to 1.36% (Q1 2025) and its net interest margin ran from 3.21% (Q3 2024) to 4.48% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.24% | 0.99% | 1.66% | 9.75% | 4.48% |
| Q1 2026 | 12.03% | 0.83% | 2.03% | 12.43% | 4.24% |
| Q4 2025 | 11.45% | 0.98% | 2.09% | 16.26% | 4.31% |
| Q3 2025 | 11.21% | 0.80% | 2.09% | 16.50% | 4.02% |
| Q2 2025 | 11.25% | 1.02% | 0.59% | 7.13% | 4.10% |
| Q1 2025 | 10.94% | 1.36% | 0.71% | 4.93% | 3.72% |
| Q4 2024 | 10.57% | 0.61% | 0.72% | 5.39% | 3.72% |
| Q3 2024 | 10.50% | 0.34% | 0.90% | 6.46% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens National Bank of Mcconnelsville | Mcconnelsville , OH | 43756 | $56.4M |
| Duncan Falls Branch | Duncan Falls , OH | 43734 | $28.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 150 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens National Bank of McConnelsville
What are The Citizens National Bank of McConnelsville's total assets?
As of the Q2 2026 filing, The Citizens National Bank of McConnelsville reported total assets of $102.1 million in its FFIEC call report.
Where is The Citizens National Bank of McConnelsville headquartered?
It is headquartered in McConnelsville, OH, United States.
When was The Citizens National Bank of McConnelsville founded?
It was established in 1900, per the FDIC institution directory.
Is The Citizens National Bank of McConnelsville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6638). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank of McConnelsville?
The Citizens National Bank of McConnelsville's primary federal regulator is the OCC.
How many branches does The Citizens National Bank of McConnelsville operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank of McConnelsville's Texas Ratio?
Its Texas Ratio is 9.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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