The First Citizens National Bank of Upper Sandusky
Also written as FCNB of Upper Sandusky
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Data as of · sourced from FFIEC call reports. How we update
The First Citizens National Bank of Upper Sandusky is an FDIC-insured commercial bank headquartered in Upper Sandusky, OH, established in 1902 (FDIC certificate 14355), and it is supervised by the OCC. At Q2 2026 it reported total assets of $389.9M, up 6.9% from Q2 2025, the 62nd largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.59% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14355
- Headquarters
- Upper Sandusky, OH
- Established
- 1902
- Total assets, Q2 2026
- $389.9M
- Assets vs Q2 2025
- +6.9%
- Tier 1 leverage ratio, Q2 2026
- 12.59%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 041205246
- Latest call report
- Q2 2026, FFIEC 051 · The First Citizens National Bank of Upper Sandusky Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 62nd of 154 in Ohio
The First Citizens National Bank of Upper Sandusky, based in Upper Sandusky, Ohio, reported $390 million in assets at June 30, 2026, up 6.9% from a year earlier. It pays an average of 0.94% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 14.1% and deposits rose 4.9%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.6 million equal 14% of Tier 1 capital, down from 19% a year earlier. Costs are the weak spot: it spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The First Citizens National Bank of Upper Sandusky reported a return on assets of 0.64%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
The First Citizens National Bank of Upper Sandusky ranks as the 62nd largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $389.9M, loans rose 6.1% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.6% of total loans, followed by 1-4 family residential loans at 25.9%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in OH; its Upper Sandusky office books 51% of its branch deposits. Judged on its Q2 2026 call report, The First Citizens National Bank of Upper Sandusky meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N Sandusky Ave, Upper Sandusky, OH 43351
- County
- Wyandot
- 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
- December 1, 1902
- Former names
- The First Citizens National Bank of Upper Sandusky (1991); The Village Bank (1984-1991)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 72
- Domestic deposits
- $327.1M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $385.1M
- Average total loans
- $234.0M
- Average interest-bearing deposits
- $202.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1934
- FDIC Cert
- 14355
- Fed RSSD
- 230423
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 First Citizens National Bank of Upper Sandusky reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First Citizens National Bank of Upper Sandusky's total assets moved between a low of $364.8M (Q2 2025) and a high of $389.9M (Q2 2026) from Q3 2023 to 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
$389.9M total assets against $364.8M; $346.4M total liabilities against $323.9M.
$242.5M net loans and leases against $212.1M; $327.1M total deposits against $311.9M.
$92.8M securities against $98.6M; $22.9M cash and balances due against $23.2M.
$4.3M total interest income against $3.9M; $737K total interest expense against $839K.
$3.5M net interest income against $3.1M.
$502K total noninterest income against $463K; $3.3M total noninterest expense against $2.9M.
$12K provision for credit losses against $0.
$617K net income against $573K.
0.64% return on assets against 0.60%; 4.13% net interest margin against 3.62%.
12.59% tier 1 leverage ratio against 12.51%.
Inside the full The First Citizens National Bank of Upper Sandusky terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First Citizens National Bank of Upper Sandusky rankings
Its closest position to the top of a national ranking is 2,090 of 4,196, for total assets; its furthest is 3,287 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.22% (Q4 2025) to 0.81% (Q3 2025) and its net interest margin ran from 3.49% (Q3 2024) to 4.13% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.59% | 0.64% | 0.01% | 0.03% | 4.13% |
| Q1 2026 | 12.70% | 0.32% | 0.01% | 0.03% | 3.91% |
| Q4 2025 | 13.02% | 0.22% | 0.01% | 0.04% | 4.00% |
| Q3 2025 | 13.01% | 0.81% | 0.06% | 0.29% | 3.75% |
| Q2 2025 | 12.51% | 0.60% | 0.04% | 0.18% | 3.62% |
| Q1 2025 | 12.37% | 0.43% | 0.04% | 0.18% | 3.56% |
| Q4 2024 | 12.19% | 0.39% | 0.03% | 0.19% | 3.58% |
| Q3 2024 | 12.10% | 0.68% | 0.10% | 0.53% | 3.49% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 First Citizens National Bank of Upper Sandusky | Upper Sandusky , OH | 43351 | $167.7M |
| Marion Office Branch | Marion , OH | 43302 | $42.6M |
| Delaware Banking Center Branch | Delaware , OH | 43015 | $26.0M |
| Marion Eastlawn Branch | Marion , OH | 43302 | $25.7M |
| Carey Branch | Carey , OH | 43316 | $25.1M |
| Nevada Deposit Branch | Nevada , OH | 44849 | $17.6M |
| Dunkirk Branch | Dunkirk , OH | 45836 | $13.0M |
| Powell Branch | Powell , OH | 43065 | $9.3M |
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 |
|---|---|---|---|
| July 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1991 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | 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)
- October 22, 1991, OCC: Civil Money Penalty (CMP): First Citizens National Bank of Upper Sandusky, The
- Period: Most recent institution action October 22, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 73 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $143K approved, $143K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (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 The First Citizens National Bank of Upper Sandusky
What are The First Citizens National Bank of Upper Sandusky's total assets?
As of the Q2 2026 filing, The First Citizens National Bank of Upper Sandusky reported total assets of $389.9 million in its FFIEC call report.
Where is The First Citizens National Bank of Upper Sandusky headquartered?
It is headquartered in Upper Sandusky, OH, United States.
When was The First Citizens National Bank of Upper Sandusky founded?
It was established in 1902, per the FDIC institution directory.
Is The First Citizens National Bank of Upper Sandusky FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Citizens National Bank of Upper Sandusky?
The First Citizens National Bank of Upper Sandusky's primary federal regulator is the OCC.
How many branches does The First Citizens National Bank of Upper Sandusky operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First Citizens National Bank of Upper Sandusky's Texas Ratio?
Its Texas Ratio is 0.03% 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 First Citizens National Bank of Upper Sandusky previously called?
The charter now named The First Citizens National Bank of Upper Sandusky has also operated as The First Citizens National Bank of Upper Sandusky (1991), The Village Bank (1984-1991), per FDIC structure-change records.
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