Osgood 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 climbed 87.83 percentage points in Q2 2026, from 265.05% to 352.88%. It was the largest change from Q1 2026 among the key lines here. Osgood Bank ranks 45th of 156 Ohio banks on return on assets, in the upper half at 1.35% (Q2 2026). Osgood Bank reported 1.35% on return on assets for Q2 2026, 0.09 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.98% |
| Tier 1 risk-based capital ratio | 12.98% |
| Total risk-based capital ratio | 14.23% |
| Tier 1 leverage ratio | 9.86% |
| Equity capital to assets | 8.81% |
| Tangible equity to tangible assets | 8.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.57% |
| Texas ratio | 3.43% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 352.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 15.85% |
| Net interest margin | 3.88% |
| Efficiency ratio | 60.33% |
| Yield on earning assets | 5.60% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.39% |
| Core deposits to total deposits | 90.52% |
| Brokered deposits to total deposits | 1.14% |
| Deposits to assets | 90.03% |
| Securities to assets | 24.79% |
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 | 10.79% | 10.79% | 12.04% | 10.15% | 0.99% |
| Q4 2023 | 10.70% | 10.70% | 11.96% | 9.99% | 1.46% |
| Q1 2024 | 10.85% | 10.85% | 12.10% | 10.12% | 1.04% |
| Q2 2024 | 11.14% | 11.14% | 12.39% | 9.51% | 0.94% |
| Q3 2024 | 11.42% | 11.42% | 12.67% | 8.80% | 1.06% |
| Q4 2024 | 10.97% | 10.97% | 12.23% | 8.29% | 1.17% |
| Q1 2025 | 11.30% | 11.30% | 12.55% | 8.72% | 1.19% |
| Q2 2025 | 11.66% | 11.66% | 12.91% | 9.05% | 1.30% |
| Q3 2025 | 12.08% | 12.08% | 13.33% | 9.20% | 1.21% |
| Q4 2025 | 12.32% | 12.32% | 13.57% | 8.97% | 0.92% |
| Q1 2026 | 12.89% | 12.89% | 14.14% | 9.07% | 1.23% |
| Q2 2026 | 12.98% | 12.98% | 14.23% | 9.86% | 1.35% |
Osgood Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Osgood 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 Osgood Bank profile, peer group comparison, or how this data updates.
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