The Savings Bank (Circleville, OH)
BankRegReports is independent of The Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Savings Bank is an FDIC-insured commercial bank headquartered in Circleville, OH, established in 1912 (FDIC certificate 13216), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $520.1M, up 0.1% from Q2 2025, the 54th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 14.94% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13216
- Headquarters
- Circleville, OH
- Established
- 1912
- Total assets, Q2 2026
- $520.1M
- Assets vs Q2 2025
- +0.1%
- CET1 ratio, Q2 2026
- 14.94%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 044103976
- Latest call report
- Q2 2026, FFIEC 051 · The Savings Bank call report
- Holding company
- SAVINGS BANCORP, INC.
- Asset rank in state
- 54th of 154 in Ohio
Little in The Savings Bank's latest call report stands out. Based in Circleville, Ohio, it had $520 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.
Earnings jumped: net income for the quarter was $1.1 million, 43% above the same quarter a year earlier. Over the same year, loans grew 7.1% and deposits grew 2.5%. Where it has less room is capital: it funds 9.42% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Savings Bank reported a CET1 capital ratio of 14.94%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.74%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Savings Bank is the 54th largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $520.1M, loans rose 2.2% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.3% of total loans, followed by non-owner-occupied commercial real estate loans at 12.2%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in OH; its Circleville 2 offices book 64% of its branch deposits. Judged on its Q2 2026 call report, The Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 N Court St, Circleville, OH 43113
- County
- Pickaway
- 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 20, 1912
- Former names
- The Savings Bank (1961)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $450.2M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $115K
- Average total assets
- $538.0M
- Average total loans
- $385.6M
- Average interest-bearing deposits
- $364.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13216
- Fed RSSD
- 578116
- SEC CIK
- 1125846 → filed by SAVINGS BANCORP, INC.
- Website
- www.thesavingsbankohio.bank →
- Parent Holding Company
- SAVINGS BANCORP, INC. (RSSD 2950716)
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
The Savings Bank's total assets moved between a low of $512.2M (Q4 2024) and a high of $599.8M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$520.1M total assets against $519.7M; $466.7M total liabilities against $469.6M.
$387.2M net loans and leases against $361.6M; $450.2M total deposits against $439.3M.
$83.4M securities against $110.8M; $11.9M cash and balances due against $9.2M.
$6.3M total interest income against $5.6M; $1.8M total interest expense against $1.8M.
$4.5M net interest income against $3.8M.
$523K total noninterest income against $503K; $3.6M total noninterest expense against $3.4M.
$119K provision for credit losses against $26K.
$1.1M net income against $744K.
0.79% return on assets against 0.56%; 3.56% net interest margin against 3.07%.
14.94% CET1 capital ratio against 15.14%; 9.42% tier 1 leverage ratio against 9.33%.
Inside the full The Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Savings Bank rankings
Its closest position to the top of a national ranking is 1,731 of 4,196, for total assets; its furthest is 2,909 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q1 2026) to 0.84% (Q4 2025) and its net interest margin ran from 2.71% (Q3 2024) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.94% | 0.79% | 0.22% | 1.74% | 3.56% |
| Q1 2026 | 15.13% | 0.42% | 0.47% | 3.74% | 3.31% |
| Q4 2025 | 15.16% | 0.84% | 0.21% | 1.65% | 3.22% |
| Q3 2025 | 15.33% | 0.66% | 0.22% | 1.73% | 3.13% |
| Q2 2025 | 15.14% | 0.56% | 0.24% | 1.93% | 3.07% |
| Q1 2025 | 15.43% | 0.43% | 0.27% | 2.13% | 2.87% |
| Q4 2024 | 15.61% | 0.61% | 0.35% | 2.89% | 2.85% |
| Q3 2024 | 15.27% | 0.63% | 0.28% | 2.24% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| The Savings Bank | Circleville , OH | 43113 | $289.6M |
| Lancaster Branch | Lancaster , OH | 43130 | $62.3M |
| 501 Long Street Branch | Ashville , OH | 43103 | $44.8M |
| Williamsport Branch | Williamsport , OH | 43164 | $43.8M |
| London Oh Branch | London , OH | 43140 | $9.7M |
| Circleville Drive-In Branch | Circleville , OH | 43113 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 13, 2021 | Structure Change | Acquired Standing Stone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 1983 | Structure Change | Acquired The Ashville Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 65 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 165 applications, 138 loans originated, $41.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $800K approved, $800K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Savings Bank
What are The Savings Bank's total assets?
As of the Q2 2026 filing, The Savings Bank reported total assets of $520.1 million in its FFIEC call report.
Where is The Savings Bank headquartered?
It is headquartered in Circleville, OH, United States.
When was The Savings Bank founded?
It was established in 1912, per the FDIC institution directory.
Is The Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Savings Bank?
The Savings Bank's primary federal regulator is the FDIC.
What is The Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Savings 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 The Savings Bank's Texas Ratio?
Its Texas Ratio is 1.74% 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.
What was The Savings Bank previously called?
The charter now named The Savings Bank has also operated as The Savings Bank (1961), per FDIC structure-change records.
Go deeper on The Savings Bank.
Get an email when The Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Savings Bank, freeFree account