The Croghan Colonial Bank
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Data as of · sourced from FFIEC call reports. How we update
The Croghan Colonial Bank is an FDIC-insured commercial bank headquartered in Fremont, OH, established in 1888 (FDIC certificate 13341), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.41B, up 20.0% from Q2 2025, the 26th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.34% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13341
- Headquarters
- Fremont, OH
- Established
- 1888
- Total assets, Q2 2026
- $1.41B
- Assets vs Q2 2025
- +20.0%
- CET1 ratio, Q2 2026
- 12.34%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 041202744
- Latest call report
- Q2 2026, FFIEC 041 · The Croghan Colonial Bank call report
- Holding company
- CROGHAN BANCSHARES, INC.
- Asset rank in state
- 26th of 154 in Ohio
The Croghan Colonial Bank leans heavily on commercial real estate. The Fremont, Ohio bank had $1.4 billion in assets at June 30, 2026, up 20.0% from a year earlier. It holds commercial real estate loans worth 3.6 times its capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also grew its loan book 19.3% over the year, about triple the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $4.6 million, 61% above the same quarter a year earlier. Over the same year, loans grew 19.3% and deposits grew 11.1%.
As of June 30, 2026, The Croghan Colonial Bank reported a CET1 capital ratio of 12.34%, a return on assets of 1.32%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Croghan Colonial Bank is the 26th largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.6% to $1.41B, loans rose 3.1% and deposits rose 6.2%. Non-owner-occupied commercial real estate loans made up 35.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 12.8%. Its 19 offices in the FDIC Summary of Deposits are in 13 cities in OH; its Fremont 5 offices book 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Croghan Colonial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 323 Croghan St, Fremont, OH 43420
- County
- Sandusky
- Metro Area
- Fremont, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 25, 1888
- Former names
- The Croghan Colonial Bank (1955)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 207
- Domestic deposits
- $1.09B
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $92K
- Average total assets
- $1.39B
- Average total loans
- $890.7M
- Average interest-bearing deposits
- $748.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13341
- Fed RSSD
- 362717
- SEC CIK
- 887149 → filed by CROGHAN BANCSHARES, INC.
- Website
- https://www.croghan.com →
- Parent Holding Company
- CROGHAN BANCSHARES, INC. (RSSD 1071726)
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, The Croghan Colonial Bank's total assets ran between $1.09B (Q3 2023) and $1.41B (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
$1.41B total assets against $1.18B; $1.27B total liabilities against $1.05B.
$883.9M net loans and leases against $740.6M; $1.09B total deposits against $983.8M.
$347.4M securities against $313.9M; $102.6M cash and balances due against $48.1M.
$18.2M total interest income against $14.5M; $5.9M total interest expense against $4.7M.
$12.2M net interest income against $9.8M.
$1.9M total noninterest income against $1.9M; $8.0M total noninterest expense against $8.0M.
$300K provision for credit losses against $0.
$4.6M net income against $2.9M.
1.32% return on assets against 0.96%; 3.71% net interest margin against 3.51%.
12.34% CET1 capital ratio against 13.82%; 10.13% tier 1 leverage ratio against 11.16%.
Inside the full The Croghan Colonial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The Croghan Colonial Bank rankings
Its closest position to the top of a national ranking is 774 of 4,196, for total assets; its furthest is 2,938 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q4 2024) to 1.32% (Q2 2026) and its net interest margin ran from 3.33% (Q3 2024) to 3.71% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.34% | 1.32% | 0.08% | 0.53% | 3.71% |
| Q1 2026 | 12.36% | 1.05% | 0.12% | 0.86% | 3.63% |
| Q4 2025 | 12.56% | 1.04% | 0.08% | 0.53% | 3.64% |
| Q3 2025 | 13.52% | 1.11% | 0.14% | 0.89% | 3.56% |
| Q2 2025 | 13.82% | 0.96% | 0.11% | 0.69% | 3.51% |
| Q1 2025 | 13.96% | 0.88% | 0.10% | 0.64% | 3.35% |
| Q4 2024 | 13.78% | 0.82% | 0.11% | 0.74% | 3.42% |
| Q3 2024 | 14.02% | 0.85% | 0.14% | 0.85% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 19 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 |
|---|---|---|---|
| The Croghan Colonial Bank | Fremont , OH | 43420 | $290.2M |
| Fremont West Banking Center Branch | Fremont , OH | 43420 | $93.8M |
| Oak Harbor Branch | Oak Harbor , OH | 43449 | $88.1M |
| Bellevue Banking Center | Bellevue , OH | 44811 | $65.7M |
| Port Clinton Branch | Port Clinton , OH | 43452 | $65.4M |
| Norwalk Banking Center | Norwalk , OH | 44857 | $60.3M |
| Clyde Banking Center | Clyde , OH | 43410 | $55.3M |
| Monroeville Banking Center | Monroeville , OH | 44847 | $54.6M |
| Tiffin Downtown Banking Center | Tiffin , OH | 44883 | $44.7M |
| Port Clinton - Downtown Branch | Port Clinton , OH | 43452 | $35.5M |
| Curtice Branch | Curtice , OH | 43412 | $34.7M |
| Tiffin West Banking Center | Tiffin , OH | 44883 | $34.2M |
| Oregon Branch | Oregon , OH | 43616 | $33.6M |
| Ballville Banking Center Branch | Fremont , OH | 43420 | $30.4M |
| Fremont East Banking Center Branch | Fremont , OH | 43420 | $25.4M |
| Fremont North Branch | Fremont , OH | 43420 | $24.2M |
| Green Springs Banking Center Branch | Green Springs , OH | 44836 | $22.2M |
| Maumee Branch | Maumee , OH | 43537 | $22.2M |
| Milan Branch | Milan , OH | 44846 | $13.0M |
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 |
|---|---|---|---|
| December 7, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 2013 | Structure Change | Acquired National Bank of Ohio Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2005 | Structure Change | Acquired The Custar State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1996 | Structure Change | Acquired The Union Bank and Savings Company 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 3 against individuals associated with it
- Period: Most recent action May 20, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OH, rank 37 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 233 applications, 161 loans originated, $46.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.2M approved, $1.1M 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
- 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 Croghan Colonial Bank
What are The Croghan Colonial Bank's total assets?
As of the Q2 2026 filing, The Croghan Colonial Bank reported total assets of $1.41 billion in its FFIEC call report.
Where is The Croghan Colonial Bank headquartered?
It is headquartered in Fremont, OH, United States.
When was The Croghan Colonial Bank founded?
It was established in 1888, per the FDIC institution directory.
Is The Croghan Colonial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13341). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Croghan Colonial Bank?
The Croghan Colonial Bank's primary federal regulator is the Federal Reserve.
What is The Croghan Colonial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.34% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Croghan Colonial Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Croghan Colonial Bank's Texas Ratio?
Its Texas Ratio is 0.53% 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 Croghan Colonial Bank previously called?
The charter now named The Croghan Colonial Bank has also operated as The Croghan Colonial Bank (1955), per FDIC structure-change records.
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