Consumers National Bank: 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.
Reserve coverage of non-performing loans dropped 317.39 percentage points in Q2 2026, from 1685.93% to 1368.54%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Consumers National Bank is 89th of 156 on return on assets, 0.96% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Consumers National Bank sits 0.32 points lower, at 0.96% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.91% |
| Tier 1 risk-based capital ratio | 10.91% |
| Total risk-based capital ratio | 11.93% |
| Tier 1 leverage ratio | 8.35% |
| Equity capital to assets | 7.03% |
| Tangible equity to tangible assets | 6.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.72% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 1368.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 13.64% |
| Net interest margin | 3.47% |
| Efficiency ratio | 65.87% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.72% |
| Core deposits to total deposits | 91.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.63% |
| Securities to assets | 20.47% |
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 | 10.99% | 10.99% | 12.02% | 7.79% | 0.91% |
| Q4 2023 | 11.04% | 11.04% | 12.08% | 7.85% | 0.76% |
| Q1 2024 | 11.13% | 11.13% | 12.15% | 7.97% | 0.76% |
| Q2 2024 | 11.07% | 11.07% | 12.07% | 7.98% | 0.78% |
| Q3 2024 | 11.13% | 11.13% | 12.13% | 8.05% | 0.82% |
| Q4 2024 | 11.34% | 11.34% | 12.33% | 8.15% | 0.83% |
| Q1 2025 | 11.38% | 11.38% | 12.38% | 8.33% | 0.67% |
| Q2 2025 | 10.99% | 10.99% | 12.00% | 8.23% | 0.81% |
| Q3 2025 | 11.02% | 11.02% | 12.03% | 8.24% | 0.91% |
| Q4 2025 | 10.94% | 10.94% | 11.94% | 8.28% | 0.92% |
| Q1 2026 | 11.06% | 11.06% | 12.07% | 8.37% | 0.93% |
| Q2 2026 | 10.91% | 10.91% | 11.93% | 8.35% | 0.96% |
Consumers National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Consumers National Bank, 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 Consumers National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19482) · FFIEC NIC profile (RSSD 477321)