The Citizens National Bank of Woodsfield
The Citizens National Bank of Woodsfield is an FDIC-insured commercial bank headquartered in Woodsfield, OH, supervised by the OCC, with $153.9M in total assets at Q2 2026, up 5.1% from Q2 2025, the 109th largest of 154 banks headquartered in Ohio. It was established in 1933 and holds FDIC certificate 6732. Its CET1 capital ratio was 23.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as CNB of Woodsfield
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6732
- Headquarters
- Woodsfield, OH
- Established
- 1933
- Total assets, Q2 2026
- $153.9M
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 23.30%
- Domestic offices
- 4 · The Citizens National Bank of Woodsfield branches FDIC institution directory, current count
- Routing number
- 043205875
- Safety and soundness
- Is The Citizens National Bank of Woodsfield safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens National Bank of Woodsfield Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- CNB BANCORP, INC.
- Asset rank in state
- 109th of 154 in Ohio
Problem loans are rising at The Citizens National Bank of Woodsfield. Its balance sheet stood at $154 million at June 30, 2026, up 5.1% from a year earlier; it is based in Woodsfield, Ohio. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.79% of loans from 0.19% a year earlier. It pays an average of 0.17% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.88% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 28% from a year earlier, to $450,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.7 million equal 20% of Tier 1 capital, down from 29% a year earlier.
As of June 30, 2026, The Citizens National Bank of Woodsfield reported a CET1 capital ratio of 23.30%, a return on assets of 1.15%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 4.13%. The figures come from its call report filed with the FFIEC.
The Citizens National Bank of Woodsfield ranks as the 109th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $153.9M, loans fell 0.4% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 76.1% of total loans, followed by commercial and industrial loans at 8.9%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in OH; its Woodsfield office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Citizens National Bank of Woodsfield meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 143 S Main St, Woodsfield, OH 43793
- County
- Monroe
- 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
- December 7, 1933
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $141.9M
- Allowance for credit losses
- $407K
- Net charge-offs (YTD)
- $0
- Average total assets
- $156.1M
- Average total loans
- $64.0M
- Average interest-bearing deposits
- $73.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6732
- Fed RSSD
- 386825
- Website
- www.cnbwoodsfield.com →
- Parent Holding Company
- CNB BANCORP, INC. (RSSD 2376969)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Citizens National Bank of Woodsfield's total assets moved between a low of $136.2M (Q4 2024) and a high of $155.2M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$153.9M total assets against $146.5M; $142.2M total liabilities against $136.4M.
$63.3M net loans and leases against $59.3M; $141.9M total deposits against $136.2M.
$66.4M securities against $61.4M; $19.6M cash and balances due against $21.2M.
$1.4M total interest income against $1.2M; $59K total interest expense against $80K.
$1.3M net interest income against $1.1M.
$50K total noninterest income against $41K; $828K total noninterest expense against $713K.
$0 provision for credit losses against $4K.
$450K net income against $352K.
1.15% return on assets against 0.93%; 3.57% net interest margin against 3.08%.
23.30% CET1 capital ratio against 23.54%; 8.88% tier 1 leverage ratio against 8.62%.
Inside the full The Citizens National Bank of Woodsfield terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens National Bank of Woodsfield rankings
Its closest position to the top of a national ranking is 208 of 2,134, for CET1 ratio; its furthest is 3,265 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.52% (Q4 2024) to 1.15% (Q2 2026) and its net interest margin ran from 2.81% (Q3 2024) to 3.57% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.30% | 1.15% | 0.79% | 4.13% | 3.57% |
| Q1 2026 | 22.77% | 0.88% | 0.42% | 2.26% | 3.35% |
| Q4 2025 | 22.22% | 0.91% | 0.37% | 2.01% | 3.32% |
| Q3 2025 | 23.94% | 0.77% | 0.45% | 2.38% | 3.11% |
| Q2 2025 | 23.54% | 0.93% | 0.19% | 1.06% | 3.08% |
| Q1 2025 | 23.07% | 0.57% | 0.11% | 0.66% | 2.83% |
| Q4 2024 | 22.45% | 0.52% | 0.43% | 2.90% | 2.87% |
| Q3 2024 | 22.73% | 0.58% | 0.12% | 0.73% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 Woodsfield | Woodsfield , OH | 43793 | $84.8M |
| Barnesville Branch | Barnesville , OH | 43713 | $23.4M |
| Sardis Branch | Sardis , OH | 43946 | $21.3M |
| Quaker City Branch | Quaker City , OH | 43773 | $12.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 124 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 97 applications, 85 loans originated, $13.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $143K approved, $143K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Woodsfield
What are The Citizens National Bank of Woodsfield's total assets?
As of the Q2 2026 filing, The Citizens National Bank of Woodsfield reported total assets of $153.9 million in its FFIEC call report.
Where is The Citizens National Bank of Woodsfield headquartered?
It is headquartered in Woodsfield, OH, United States.
When was The Citizens National Bank of Woodsfield founded?
It was established in 1933, per the FDIC institution directory.
Is The Citizens National Bank of Woodsfield FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6732). 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 Woodsfield?
The Citizens National Bank of Woodsfield's primary federal regulator is the OCC.
What is The Citizens National Bank of Woodsfield's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank of Woodsfield operate?
It operates 4 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 Woodsfield's Texas Ratio?
Its Texas Ratio is 4.13% 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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