The Conneaut Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
The Conneaut Savings Bank is an FDIC-insured savings and loan association headquartered in Conneaut, OH, established in 1888 (FDIC certificate 28677), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $76.7M, up 1.3% from Q2 2025, the 140th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28677
- Headquarters
- Conneaut, OH
- Established
- 1888
- Total assets, Q2 2026
- $76.7M
- Assets vs Q2 2025
- +1.3%
- Tier 1 leverage ratio, Q2 2026
- 15.09%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 241270796
- Latest call report
- Q2 2026, FFIEC 051 · The Conneaut Savings Bank call report
- Holding company
- CONNEAUT BANCORP INC
- Asset rank in state
- 140th of 154 in Ohio
Problem loans are falling at The Conneaut Savings Bank. The Conneaut, Ohio bank had $77 million in assets at June 30, 2026, up 1.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.40% of loans from 0.88% a year earlier. It spends about 85 cents to bring in each dollar of revenue, higher than about three-quarters of the 583 banks with less than $100 million in assets (median 69 cents). It also holds commercial real estate loans worth 0.8 times its capital, about triple the median of 26% for banks its size.
Unrealized losses on its securities total $1.9 million, equal to 16% of Tier 1 capital, against 19% a year earlier. Profitability lags: it earns about $0.47 a year on every $100 of assets, about half the median of $1.06 for banks its size.
As of June 30, 2026, The Conneaut Savings Bank reported a return on assets of 0.47%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.05%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Conneaut Savings Bank is the 140th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $76.7M, loans fell 1.7% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 74.3% of total loans, ahead of multifamily loans at 8.3%. The FDIC Summary of Deposits lists a single office for it, in Conneaut, OH. On its Q2 2026 call report, The Conneaut Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 305 Main St, Conneaut, OH 44030
- County
- Ashtabula
- Metro Area
- Cleveland, OH
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Former names
- Conneaut Savings Bank (2000); The Conneaut Savings and Loan Company (1994-2000)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $65.3M
- Allowance for credit losses
- $290K
- Net charge-offs (YTD)
- $0
- Average total assets
- $77.6M
- Average total loans
- $54.2M
- Average interest-bearing deposits
- $54.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28677
- Fed RSSD
- 203575
- Website
- http://www.conneautsavings.com →
- Parent Holding Company
- CONNEAUT BANCORP INC (RSSD 4028888)
- Ultimate Parent
- CONNEAUT BANCORP MHC (RSSD 4028897)
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 Conneaut Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Conneaut Savings Bank's total assets moved between a low of $74.5M (Q3 2025) and a high of $79.6M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$76.7M total assets against $75.8M; $66.6M total liabilities against $66.1M.
$53.8M net loans and leases against $52.5M; $65.3M total deposits against $64.1M.
$14.7M securities against $17.1M; $4.5M cash and balances due against $2.3M.
$847K total interest income against $767K; $183K total interest expense against $193K.
$664K net interest income against $574K.
$58K total noninterest income against $57K; $613K total noninterest expense against $627K.
$0 provision for credit losses against $1K.
$91K net income against $8K.
0.47% return on assets against 0.04%; 3.64% net interest margin against 3.15%.
15.09% tier 1 leverage ratio against 14.88%.
Inside the full The Conneaut Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.10% (Q4 2024) to 0.68% (Q1 2026) and its net interest margin ran from 2.84% (Q4 2024) to 3.78% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.09% | 0.47% | 0.40% | 2.05% | 3.64% |
| Q1 2026 | 15.10% | 0.68% | 0.35% | 1.85% | 3.78% |
| Q4 2025 | 15.07% | 0.31% | 0.69% | 3.51% | 3.41% |
| Q3 2025 | 15.19% | 0.19% | 0.86% | 4.37% | 3.37% |
| Q2 2025 | 14.88% | 0.04% | 0.88% | 4.68% | 3.15% |
| Q1 2025 | 14.95% | -0.06% | 0.75% | 3.96% | 2.98% |
| Q4 2024 | 14.85% | -0.10% | 0.79% | 4.22% | 2.84% |
| Q3 2024 | 14.65% | 0.02% | 0.39% | 2.01% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Conneaut Savings Bank | Conneaut , OH | 44030 | $65.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 161 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Conneaut Savings Bank
What are The Conneaut Savings Bank's total assets?
As of the Q2 2026 filing, The Conneaut Savings Bank reported total assets of $76.7 million in its FFIEC call report.
Where is The Conneaut Savings Bank headquartered?
It is headquartered in Conneaut, OH, United States.
When was The Conneaut Savings Bank founded?
It was established in 1888, per the FDIC institution directory.
Is The Conneaut Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Conneaut Savings Bank?
The Conneaut Savings Bank's primary federal regulator is the FDIC.
How many branches does The Conneaut Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Conneaut Savings Bank's Texas Ratio?
Its Texas Ratio is 2.05% 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.
What was The Conneaut Savings Bank previously called?
The charter now named The Conneaut Savings Bank has also operated as Conneaut Savings Bank (2000), The Conneaut Savings and Loan Company (1994-2000), per FDIC structure-change records.
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