The Citizens National Bank of McConnelsville: 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.
Reserve coverage of non-performing loans climbed 11.21 percentage points in Q2 2026, from 66.15% to 77.35%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Citizens National Bank of McConnelsville is 84th of 156 on return on assets, 0.99% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Citizens National Bank of McConnelsville sits 0.26 points lower, at 0.99% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.24% |
| Equity capital to assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 0.98% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 9.75% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 77.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 9.15% |
| Net interest margin | 4.48% |
| Efficiency ratio | 72.01% |
| Yield on earning assets | 5.98% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.72% |
| Core deposits to total deposits | 88.36% |
| Brokered deposits to total deposits | 5.48% |
| Deposits to assets | 83.44% |
| Securities to assets | 19.60% |
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 | 10.17% | -0.03% | 2.93% | 1.74% | -0.01% |
| Q4 2023 | 10.41% | 0.53% | 3.37% | 0.68% | -0.01% |
| Q1 2024 | 10.62% | 0.11% | 3.08% | 0.58% | -0.01% |
| Q2 2024 | 10.75% | 0.36% | 3.29% | 0.76% | 0.04% |
| Q3 2024 | 10.50% | 0.34% | 3.21% | 0.74% | 0.01% |
| Q4 2024 | 10.57% | 0.61% | 3.72% | 0.32% | 0.25% |
| Q1 2025 | 10.94% | 1.36% | 3.72% | 0.32% | 0.00% |
| Q2 2025 | 11.25% | 1.02% | 4.10% | 0.31% | -0.05% |
| Q3 2025 | 11.21% | 0.80% | 4.02% | 1.78% | 0.13% |
| Q4 2025 | 11.45% | 0.98% | 4.31% | 1.54% | 0.58% |
| Q1 2026 | 12.03% | 0.83% | 4.24% | 1.55% | -0.04% |
| Q2 2026 | 12.24% | 0.99% | 4.48% | 1.38% | 0.00% |
The Citizens National Bank of McConnelsville 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 McConnelsville, 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 McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6638) · FFIEC NIC profile (RSSD 685023)