The Ottoville Bank Company: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.03 percentage points lower than in Q1 2026, at 52.73%. The Ottoville Bank Company ranks 26th of 156 Ohio banks on return on assets, in the upper half at 1.51% (Q2 2026). The Ottoville Bank Company's return on assets of 1.51% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.53 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.40% |
| Equity capital to assets | 20.30% |
| Tangible equity to tangible assets | 20.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 3.15% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 7.54% |
| Net interest margin | 3.64% |
| Efficiency ratio | 45.44% |
| Yield on earning assets | 4.48% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.73% |
| Core deposits to total deposits | 89.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.80% |
| Securities to assets | 33.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 20.76% | 0.85% | 3.05% | 0.00% | 0.00% |
| Q4 2023 | 22.05% | 1.09% | 3.69% | 0.09% | 0.00% |
| Q1 2024 | 21.86% | 1.45% | 3.65% | 0.09% | 0.00% |
| Q2 2024 | 20.70% | 1.51% | 3.60% | 0.09% | 0.00% |
| Q3 2024 | 20.23% | 1.44% | 3.61% | 0.00% | 0.00% |
| Q4 2024 | 19.97% | 1.01% | 3.62% | 0.00% | -0.01% |
| Q1 2025 | 21.05% | 1.33% | 3.52% | 0.00% | 0.00% |
| Q2 2025 | 21.22% | 1.65% | 3.68% | 0.00% | 0.00% |
| Q3 2025 | 21.05% | 1.44% | 3.54% | 0.00% | 0.00% |
| Q4 2025 | 21.14% | 1.14% | 3.74% | 0.00% | -0.01% |
| Q1 2026 | 21.64% | 1.40% | 3.69% | 0.00% | 0.00% |
| Q2 2026 | 21.40% | 1.51% | 3.64% | 0.00% | 0.00% |
The Ottoville Bank Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Ottoville Bank Company, 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 The Ottoville Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8403) · FFIEC NIC profile (RSSD 443625)