Consumers National Bank
Consumers National Bank is a community bank chartered in 1965, based in Minerva, OH. As of Q1 2026, the bank held approximately $1.2B in total assets and $1.1B in deposits. Profitability tracks the broader industry — ROA 0.93%, ROE 13.25%, NIM 3.49%. Regulatory capital is solid — 11.06% CET1 and 12.07% total risk-based capital ratio. Asset quality is pristine — 0.06% NPLs and a 0.59% Texas Ratio. Its footprint covers 22 branches concentrated in Ohio.
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
- Fed District
- 9
- Established
- September 1, 1965
- Branches
- 22 domestic
- Employees (FTE)
- 193
- FDIC Cert
- 19482
- Fed RSSD
- 477321
- Website
- www.consumers.bank →
- Parent Holding Company
- CONSUMERS BANCORP, INC. (RSSD 2286228)
Management
Senior officers at parent holding company — SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Lober Ralph J Ii | CEO | CEO & President |
| Wood Renee | CFO | EVP & Chief Financial Officer |
Capital & Liquidity
Inside the full Consumers National Bank terminal
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Consumers National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
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Frequently asked about Consumers National Bank
What are Consumers National Bank's total assets?
As of the Q1 2026 filing, Consumers National Bank reported total assets of $1.24 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Consumers National Bank headquartered?
Consumers National Bank is headquartered in MINERVA, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Consumers National Bank founded?
Consumers National Bank was established in 1965, per the FDIC institution directory.
Is Consumers National Bank FDIC-insured?
Yes. Consumers National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Consumers National Bank's CET1 capital ratio?
Consumers National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.06% in its most recent quarterly filing — above regulatory minimums.
How many branches does Consumers National Bank operate?
Consumers National Bank operates 22 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Consumers National Bank's Texas Ratio?
Consumers National Bank's Texas Ratio is 0.59% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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