Consumers National Bank
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Data as of · sourced from FFIEC call reports. How we update
Consumers National Bank is an FDIC-insured commercial bank headquartered in Minerva, OH, established in 1965 (FDIC certificate 19482), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.28B, up 9.9% from Q2 2025, the 31st largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 10.91% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19482
- Headquarters
- Minerva, OH
- Established
- 1965
- Total assets, Q2 2026
- $1.28B
- Assets vs Q2 2025
- +9.9%
- CET1 ratio, Q2 2026
- 10.91%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 041201143
- Holding company
- CONSUMERS BANCORP, INC.
- Asset rank in state
- 31st of 154 in Ohio
Consumers National Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $1.3 billion at June 30, 2026, up 9.9% from a year earlier; it is based in Minerva, Ohio. It holds common equity equal to 10.91% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it carries problem assets equal to 0.7% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $3.0 million. Over the same year, loans grew 15.3% and deposits grew 8.1%. Profitability lags: it earns about $0.96 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Consumers National Bank reported a CET1 capital ratio of 10.91%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.66%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Consumers National Bank is the 31st largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.4% to $1.28B, loans rose 3.7% and deposits rose 1.0%. 1-4 family residential loans made up 21.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.2%. Its 23 offices in the FDIC Summary of Deposits are in 22 cities in OH; its Minerva office books 14% of its branch deposits. By the capital ratios in its Q2 2026 call report, Consumers National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 614 E Lincolnway, Minerva, OH 44657
- County
- Stark
- Metro Area
- Canton-Massillon, OH
- 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
- September 1, 1965
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 198
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $1.26B
- Average total loans
- $913.0M
- Average interest-bearing deposits
- $868.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 1, 1965
- FDIC Cert
- 19482
- Fed RSSD
- 477321
- SEC CIK
- 1006830 → filed by CONSUMERS BANCORP, INC.
- Website
- www.consumers.bank →
- Parent Holding Company
- CONSUMERS BANCORP, INC. (RSSD 2286228) · CBKM
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ralph J Lober Ii | CEO | CEO & President |
| Renee Wood | CFO | EVP & Chief Financial Officer |
| Suzanne N Mikes | CCO | EVP, Chief Credit Officer |
| Kimberly K Chuckalovchak | CIO | SVP, Chief Information Officer |
| Stephen G Karapasha | CRO | SVP, Chief Risk Officer |
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. 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
Over the 12 quarters to Q2 2026, Consumers National Bank's total assets ran between $1.06B (Q3 2023) and $1.28B (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
$1.28B total assets against $1.16B; $1.19B total liabilities against $1.09B.
$929.3M net loans and leases against $805.8M; $1.12B total deposits against $1.04B.
$261.9M securities against $279.0M; $26.3M cash and balances due against $19.9M.
$15.3M total interest income against $13.8M; $5.1M total interest expense against $4.5M.
$10.3M net interest income against $9.2M.
$1.6M total noninterest income against $1.4M; $7.9M total noninterest expense against $7.4M.
$380K provision for credit losses against $480K.
$3.0M net income against $2.4M.
0.96% return on assets against 0.81%; 3.47% net interest margin against 3.38%.
10.91% CET1 capital ratio against 10.99%; 8.35% tier 1 leverage ratio against 8.23%.
Inside the full Consumers National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeConsumers National Bank rankings
Its closest position to the top of a national ranking is 849 of 4,196, for total assets; its furthest is 1,977 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q1 2025) to 0.96% (Q2 2026) and its net interest margin ran from 3.03% (Q3 2024) to 3.49% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.91% | 0.96% | 0.07% | 0.66% | 3.47% |
| Q1 2026 | 11.06% | 0.93% | 0.06% | 0.44% | 3.49% |
| Q4 2025 | 10.94% | 0.92% | 0.11% | 0.69% | 3.47% |
| Q3 2025 | 11.02% | 0.91% | 0.12% | 0.72% | 3.40% |
| Q2 2025 | 10.99% | 0.81% | 0.13% | 0.86% | 3.38% |
| Q1 2025 | 11.38% | 0.67% | 0.12% | 0.80% | 3.22% |
| Q4 2024 | 11.34% | 0.83% | 0.11% | 0.86% | 3.12% |
| Q3 2024 | 11.13% | 0.82% | 0.12% | 0.72% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 23 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 |
|---|---|---|---|
| Consumers National Bank (main office) | Minerva , OH | 44657 | $154.1M |
| Carrollton Branch | Carrollton , OH | 44615 | $102.7M |
| Salem Branch | Salem , OH | 44460 | $90.1M |
| Lisbon Branch | Lisbon , OH | 44432 | $83.8M |
| Alliance Branch | Alliance , OH | 44601 | $60.0M |
| Malvern Branch | Malvern , OH | 44644 | $59.6M |
| Jackson Belden Branch | Canton , OH | 44718 | $55.5M |
| Foulk Drive Branch | East Liverpool , OH | 43920 | $54.2M |
| Waynesburg Branch | Waynesburg , OH | 44688 | $47.9M |
| Hartville Office Branch | Hartville , OH | 44632 | $46.0M |
| Main Street Branch | Wellsville , OH | 43968 | $45.8M |
| East Canton Branch | East Canton , OH | 44730 | $39.6M |
| Brewster Office | Brewster , OH | 44613 | $35.9M |
| Louisville Office Branch | Louisville , OH | 44641 | $34.5M |
| Bergholz Branch | Bergholz , OH | 43908 | $32.8M |
| Adena Branch | Adena , OH | 43901 | $32.6M |
| Mount Pleasant Branch | Mount Pleasant , OH | 43939 | $27.5M |
| Green Branch | Uniontown , OH | 44685 | $24.0M |
| Hanoverton Branch | Hanoverton , OH | 44423 | $21.8M |
| Dillonvale Branch | Dillonvale , OH | 43917 | $21.8M |
| Fairlawn Office | Fairlawn , OH | 44333 | $21.7M |
| Massillon Office Branch | Massillon , OH | 44646 | $15.0M |
| Canton Branch | Canton , OH | 44702 | $14.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired The Peoples National Bank of Mount Pleasant Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 16, 1991, OCC: Civil Money Penalty (CMP): Consumers National Bank
- Period: Most recent institution action January 16, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OH, rank 35 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 26 loans, $7.8M approved, $299K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Consumers National Bank
What are Consumers National Bank's total assets?
As of the Q2 2026 filing, Consumers National Bank reported total assets of $1.28 billion in its FFIEC call report.
Where is Consumers National Bank headquartered?
It is headquartered in Minerva, OH, United States.
When was Consumers National Bank founded?
It was established in 1965, per the FDIC institution directory.
Is Consumers National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Consumers National Bank?
Consumers National Bank's primary federal regulator is the OCC.
What is Consumers National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does Consumers National Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Consumers National Bank's Texas Ratio?
Its Texas Ratio is 0.66% 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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