Ohio State Bank
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Data as of · sourced from FFIEC call reports. How we update
Ohio State Bank is an FDIC-insured commercial bank headquartered in Bexley, OH, established in 2019 (FDIC certificate 59144), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $484.0M, up 5.3% from Q2 2025, the 56th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.69% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59144
- Headquarters
- Bexley, OH
- Established
- 2019
- Total assets, Q2 2026
- $484.0M
- Assets vs Q2 2025
- +5.3%
- Tier 1 leverage ratio, Q2 2026
- 11.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 044015941
- Asset rank in state
- 56th of 154 in Ohio
Problem loans are rising at Ohio State Bank. It reported $484 million in assets at June 30, 2026, up 5.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.03% of loans from 0.00% a year earlier. It keeps 2.51 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 3.18% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.2 million, 80% above the same quarter a year earlier. Delinquency has appeared in its $74 million multifamily book: 3.38% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 4.3 times its capital, 3.6 times the median of 1.2 times for banks its size.
As of June 30, 2026, Ohio State Bank reported a return on assets of 1.03%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 7.48%. The figures come from its call report filed with the FFIEC.
Ohio State Bank ranks as the 56th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $484.0M, loans rose 1.1% and deposits rose 0.4%. 1-4 family residential loans made up 27.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.9%. Its 2 offices in the FDIC Summary of Deposits are in Bexley, OH and Upper Arlington, OH; its Bexley office books 74% of its branch deposits. Judged on its Q2 2026 call report, Ohio State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2106 E Main St, Bexley, OH 43209
- County
- Franklin
- Metro Area
- Columbus, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 22, 2019
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $405.4M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $468.7M
- Average total loans
- $428.3M
- Average interest-bearing deposits
- $373.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 22, 2019
- FDIC Cert
- 59144
- Fed RSSD
- 5312593
- Website
- www.bankatosb.com →
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, Ohio State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Ohio State Bank's total assets moved between a low of $439.5M (Q3 2023) and a high of $484.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$484.0M total assets against $459.8M; $429.6M total liabilities against $410.1M.
$425.2M net loans and leases against $403.4M; $405.4M total deposits against $382.9M.
$8.4M securities against $9.5M; $42.1M cash and balances due against $38.1M.
$6.2M total interest income against $5.9M; $3.3M total interest expense against $3.7M.
$2.9M net interest income against $2.2M.
$113K total noninterest income against $55K; $1.5M total noninterest expense against $1.4M.
-$3K provision for credit losses against -$13K.
$1.2M net income against $672K.
1.03% return on assets against 0.59%; 2.51% net interest margin against 1.91%.
11.69% tier 1 leverage ratio against 10.99%.
Inside the full Ohio State 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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).
Ohio State Bank rankings
Its closest position to the top of a national ranking is 765 of 3,606, for efficiency ratio; its furthest is 2,437 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.04% (Q3 2024) to 1.06% (Q1 2026) and its net interest margin ran from 1.21% (Q3 2024) to 2.51% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.69% | 1.03% | 1.03% | 7.48% | 2.51% |
| Q1 2026 | 11.23% | 1.06% | 0.45% | 3.34% | 2.38% |
| Q4 2025 | 10.99% | 0.73% | 0.44% | 3.40% | 2.32% |
| Q3 2025 | 10.98% | 0.58% | 0.00% | 0.00% | 2.08% |
| Q2 2025 | 10.99% | 0.59% | 0.00% | 0.00% | 1.91% |
| Q1 2025 | 11.08% | 0.47% | 0.00% | 0.00% | 1.73% |
| Q4 2024 | 10.64% | 0.32% | 0.00% | 0.00% | 1.52% |
| Q3 2024 | 10.66% | 0.04% | 0.00% | 0.00% | 1.21% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Ohio State Bank (main office) | Bexley , OH | 43209 | $299.3M |
| Ohio State Bank-Arlington Office Branch | Upper Arlington , OH | 43221 | $106.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 70 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Ohio State Bank
What are Ohio State Bank's total assets?
As of the Q2 2026 filing, Ohio State Bank reported total assets of $484.0 million in its FFIEC call report.
Where is Ohio State Bank headquartered?
It is headquartered in Bexley, OH, United States.
When was Ohio State Bank founded?
It was established in 2019, per the FDIC institution directory.
Is Ohio State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59144). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ohio State Bank?
Ohio State Bank's primary federal regulator is the FDIC.
How many branches does Ohio State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ohio State Bank's Texas Ratio?
Its Texas Ratio is 7.48% 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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