The Citizens National Bank of Woodsfield: 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 Securities to assets: 1.20 percentage points higher than in Q1 2026, at 43.14%. The Citizens National Bank of Woodsfield ranks 69th of 156 Ohio banks on return on assets, in the upper half at 1.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Citizens National Bank of Woodsfield sits 0.10 points lower, at 1.15% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.30% |
| Tier 1 risk-based capital ratio | 23.30% |
| Total risk-based capital ratio | 23.98% |
| Tier 1 leverage ratio | 8.88% |
| Equity capital to assets | 7.62% |
| Tangible equity to tangible assets | 7.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 4.13% |
| Allowance for credit losses to loans | 0.64% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 15.46% |
| Net interest margin | 3.57% |
| Efficiency ratio | 59.68% |
| Yield on earning assets | 3.73% |
| Cost of funds | 0.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.85% |
| Core deposits to total deposits | 98.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.20% |
| Securities to assets | 43.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.53% | 20.53% | 21.18% | 7.76% | 0.53% |
| Q4 2023 | 20.78% | 20.78% | 21.44% | 7.83% | 0.57% |
| Q1 2024 | 20.87% | 20.87% | 21.55% | 8.21% | 0.50% |
| Q2 2024 | 21.84% | 21.84% | 22.54% | 8.33% | 0.65% |
| Q3 2024 | 22.73% | 22.73% | 23.45% | 8.47% | 0.58% |
| Q4 2024 | 22.45% | 22.45% | 23.16% | 8.61% | 0.52% |
| Q1 2025 | 23.07% | 23.07% | 23.79% | 8.85% | 0.57% |
| Q2 2025 | 23.54% | 23.54% | 24.25% | 8.62% | 0.93% |
| Q3 2025 | 23.94% | 23.94% | 24.67% | 8.91% | 0.77% |
| Q4 2025 | 22.22% | 22.22% | 22.90% | 8.71% | 0.91% |
| Q1 2026 | 22.77% | 22.77% | 23.45% | 8.63% | 0.88% |
| Q2 2026 | 23.30% | 23.30% | 23.98% | 8.88% | 1.15% |
The Citizens National Bank of Woodsfield 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 Woodsfield, 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 Woodsfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6732) · FFIEC NIC profile (RSSD 386825)