The Ottoville Bank Company
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Data as of · sourced from FFIEC call reports. How we update
The Ottoville Bank Company is an FDIC-insured commercial bank headquartered in Ottoville, OH, established in 1904 (FDIC certificate 8403), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $93.8M, up 0.8% from Q2 2025, the 136th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8403
- Headquarters
- Ottoville, OH
- Established
- 1904
- Total assets, Q2 2026
- $93.8M
- Assets vs Q2 2025
- +0.8%
- Tier 1 leverage ratio, Q2 2026
- 21.40%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 041210943
- Latest call report
- Q2 2026, FFIEC 051 · The Ottoville Bank Company call report
- Asset rank in state
- 136th of 154 in Ohio
The Ottoville Bank Company runs leaner than most banks of its size. Based in Ottoville, Ohio, it had $94 million in assets at June 30, 2026. It spends about 45 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Loans and deposits moved in opposite directions: over the year loans fell 10.3% and deposits rose 0.1%.
As of June 30, 2026, The Ottoville Bank Company reported a return on assets of 1.51%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Ottoville Bank Company is the 136th largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $93.8M, loans fell 3.6% and deposits rose 1.9%. 1-4 family residential loans made up 24.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 21.2%. The FDIC Summary of Deposits lists a single office for it, in Ottoville, OH. Judged on its Q2 2026 call report, The Ottoville Bank Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 161 W 3rd St, Ottoville, OH 45876
- County
- Putnam
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1904
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $72.9M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $93.9M
- Average total loans
- $40.9M
- Average interest-bearing deposits
- $61.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8403
- Fed RSSD
- 443625
- Website
- www.ottovillebank.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, The Ottoville Bank Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Ottoville Bank Company's total assets moved between a low of $85.0M (Q4 2023) and a high of $95.7M (Q4 2024) 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
$93.8M total assets against $93.0M; $74.7M total liabilities against $74.7M.
$37.2M net loans and leases against $41.7M; $72.9M total deposits against $72.8M.
$31.6M securities against $26.8M; $18.3M cash and balances due against $18.0M.
$937K total interest income against $985K; $182K total interest expense against $222K.
$755K net interest income against $763K.
$59K total noninterest income against $72K; $382K total noninterest expense against $387K.
$15K provision for credit losses against $15K.
$355K net income against $382K.
1.51% return on assets against 1.65%; 3.64% net interest margin against 3.68%.
21.40% tier 1 leverage ratio against 21.22%.
Inside the full The Ottoville Bank Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Ottoville Bank Company rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q4 2024) to 1.65% (Q2 2025) and its net interest margin ran from 3.52% (Q1 2025) to 3.74% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.40% | 1.51% | 0.00% | 0.00% | 3.64% |
| Q1 2026 | 21.64% | 1.40% | 0.00% | 0.00% | 3.69% |
| Q4 2025 | 21.14% | 1.14% | 0.00% | 0.00% | 3.74% |
| Q3 2025 | 21.05% | 1.44% | 0.00% | 0.00% | 3.54% |
| Q2 2025 | 21.22% | 1.65% | 0.00% | 0.00% | 3.68% |
| Q1 2025 | 21.05% | 1.33% | 0.00% | 0.00% | 3.52% |
| Q4 2024 | 19.97% | 1.01% | 0.00% | 0.00% | 3.62% |
| Q3 2024 | 20.23% | 1.44% | 0.00% | 0.00% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Ottoville Bank Company | Ottoville , OH | 45876 | $72.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 155 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 The Ottoville Bank Company
What are The Ottoville Bank Company's total assets?
As of the Q2 2026 filing, The Ottoville Bank Company reported total assets of $93.8 million in its FFIEC call report.
Where is The Ottoville Bank Company headquartered?
It is headquartered in Ottoville, OH, United States.
When was The Ottoville Bank Company founded?
It was established in 1904, per the FDIC institution directory.
Is The Ottoville Bank Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8403). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Ottoville Bank Company?
The Ottoville Bank Company's primary federal regulator is the Federal Reserve.
How many branches does The Ottoville Bank Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Ottoville Bank Company's Texas Ratio?
Its Texas Ratio is 0.00% 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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