Osgood Bank
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Data as of · sourced from FFIEC call reports. How we update
Osgood Bank is an FDIC-insured commercial bank headquartered in Osgood, OH, established in 1915 (FDIC certificate 9137), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $485.8M, up 0.5% from Q2 2025, the 55th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.98% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9137
- Headquarters
- Osgood, OH
- Established
- 1915
- Total assets, Q2 2026
- $485.8M
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 12.98%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 042212568
- Holding company
- OSB BANCORP, INC.
- Asset rank in state
- 55th of 154 in Ohio
Little in Osgood Bank's latest call report stands out. Based in Osgood, Ohio, it had $486 million in assets at June 30, 2026. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Loans and deposits moved in opposite directions: over the year loans fell 0.4% and deposits rose 2.9%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.38% of loans from 0.23% a year earlier.
As of June 30, 2026, Osgood Bank reported a CET1 capital ratio of 12.98%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 2.55%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Osgood Bank is the 55th largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets fell 5.5% to $485.8M, loans rose 5.4% and deposits fell 3.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 53.2% of total loans, ahead of owner-occupied commercial real estate loans at 18.0%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in OH; its Osgood office books 58% of its branch deposits. On its Q2 2026 call report, Osgood Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 275 W Main St, Osgood, OH 45351
- County
- Darke
- Metro Area
- Greenville, 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
- January 1, 1915
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $437.3M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $413K
- Average total assets
- $492.3M
- Average total loans
- $291.4M
- Average interest-bearing deposits
- $443.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9137
- Fed RSSD
- 313223
- SEC CIK
- 1712596 → filed by OSB BANCORP, INC.
- Website
- www.osgoodbank.com →
- Parent Holding Company
- OSB BANCORP, INC. (RSSD 2582452)
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, Osgood Bank's total assets ran between $397.8M (Q3 2023) and $514.1M (Q1 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
$485.8M total assets against $483.1M; $443.0M total liabilities against $445.9M.
$297.9M net loans and leases against $299.3M; $437.3M total deposits against $425.0M.
$120.4M securities against $126.5M; $36.1M cash and balances due against $26.2M.
$6.6M total interest income against $6.4M; $2.1M total interest expense against $2.2M.
$4.5M net interest income against $4.2M.
$351K total noninterest income against $539K; $3.0M total noninterest expense against $2.8M.
$0 provision for credit losses against $75K.
$1.7M net income against $1.6M.
1.35% return on assets against 1.30%; 3.88% net interest margin against 3.70%.
12.98% CET1 capital ratio against 11.66%; 9.86% tier 1 leverage ratio against 9.05%.
Inside the full Osgood Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOsgood Bank rankings
Its closest position to the top of a national ranking is 1,816 of 4,196, for total assets; its furthest is 1,407 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q4 2025) to 1.35% (Q2 2026) and its net interest margin ran from 3.31% (Q3 2024) to 3.88% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.98% | 1.35% | 0.38% | 2.55% | 3.88% |
| Q1 2026 | 12.89% | 1.23% | 0.65% | 4.21% | 3.46% |
| Q4 2025 | 12.32% | 0.92% | 0.73% | 5.15% | 3.75% |
| Q3 2025 | 12.08% | 1.21% | 0.64% | 4.72% | 3.64% |
| Q2 2025 | 11.66% | 1.30% | 0.23% | 1.77% | 3.70% |
| Q1 2025 | 11.30% | 1.19% | 0.00% | 0.00% | 3.52% |
| Q4 2024 | 10.97% | 1.17% | 0.00% | 0.00% | 3.40% |
| Q3 2024 | 11.42% | 1.06% | 0.00% | 0.00% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Osgood Bank (main office) | Osgood , OH | 45351 | $253.9M |
| Fort Loramie Branch | Fort Loramie , OH | 45845 | $79.1M |
| Chickasaw Branch | Chickasaw , OH | 45826 | $66.5M |
| Indian Lake Branch | Lakeview , OH | 43331 | $25.7M |
| Russia Branch | Russia , OH | 45363 | $12.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 66 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $4.8M approved, $2.4M 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
- Enforcement actions, 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 Osgood Bank
What are Osgood Bank's total assets?
As of the Q2 2026 filing, Osgood Bank reported total assets of $485.8 million in its FFIEC call report.
Where is Osgood Bank headquartered?
It is headquartered in Osgood, OH, United States.
When was Osgood Bank founded?
It was established in 1915, per the FDIC institution directory.
Is Osgood Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Osgood Bank?
Osgood Bank's primary federal regulator is the FDIC.
What is Osgood Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.98% in its Q2 2026 call report, above regulatory requirements.
How many branches does Osgood Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Osgood Bank's Texas Ratio?
Its Texas Ratio is 2.55% 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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