The St. Henry Bank
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Data as of · sourced from FFIEC call reports. How we update
The St. Henry Bank is an FDIC-insured commercial bank headquartered in Saint Henry, OH, established in 1905 (FDIC certificate 9871), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $435.6M, down 9.3% from Q2 2025, the 59th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.61% 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
- 9871
- Headquarters
- Saint Henry, OH
- Established
- 1905
- Total assets, Q2 2026
- $435.6M
- Assets vs Q2 2025
- -9.3%
- Tier 1 leverage ratio, Q2 2026
- 13.61%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042311650
- Latest call report
- Q2 2026, FFIEC 051 · The St. Henry Bank call report
- Holding company
- ST HENRY BANCORP INC, THE
- Asset rank in state
- 59th of 154 in Ohio
The St. Henry Bank is one of the more profitable banks of its size. Its balance sheet stood at $436 million at June 30, 2026, down 9.3% from a year earlier; it is based in Saint Henry, Ohio. It earns about $2.58 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.10% of loans from 1.07%. Loans and deposits moved in opposite directions: over the year loans rose 1.8% and deposits fell 10.3%.
As of June 30, 2026, The St. Henry Bank reported a return on assets of 2.58%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.50%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The St. Henry Bank is the 59th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.7% to $435.6M, loans fell 1.0% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 25.8% of total loans, ahead of 1-4 family residential loans at 23.7%. Its 3 offices in the FDIC Summary of Deposits are in St. Henry, OH, Maria Stein, OH and Saint Henry, OH; its St. Henry office books 75% of its branch deposits. Judged on its Q2 2026 call report, The St. Henry Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 231 E Main St, Saint Henry, OH 45883
- County
- Mercer
- Metro Area
- Celina, OH
- 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 5, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $384.5M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- -$198K
- Average total assets
- $438.2M
- Average total loans
- $247.2M
- Average interest-bearing deposits
- $290.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9871
- Fed RSSD
- 568126
- Website
- www.sthenrybank.com →
- Parent Holding Company
- ST HENRY BANCORP INC, THE (RSSD 4001144)
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 St. Henry Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The St. Henry Bank's total assets ranged from $387.2M (Q3 2023) to $543.7M (Q4 2025), 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
$435.6M total assets against $480.4M; $388.1M total liabilities against $438.8M.
$244.6M net loans and leases against $240.7M; $384.5M total deposits against $428.7M.
$129.2M securities against $117.1M; $43.4M cash and balances due against $105.0M.
$5.4M total interest income against $5.7M; $1.1M total interest expense against $1.6M.
$4.3M net interest income against $4.1M.
$369K total noninterest income against $281K; $1.8M total noninterest expense against $1.8M.
$15K provision for credit losses against $15K.
$2.8M net income against $2.6M.
2.58% return on assets against 2.24%; 4.12% net interest margin against 3.60%.
13.61% tier 1 leverage ratio against 12.16%.
Inside the full The St. Henry Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe St. Henry Bank rankings
Its closest position to the top of a national ranking is 142 of 3,606, for efficiency ratio; its furthest is 2,951 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.01% (Q4 2024) to 2.77% (Q1 2026) and its net interest margin ran from 3.42% (Q3 2024) to 4.12% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.61% | 2.58% | 0.10% | 0.50% | 4.12% |
| Q1 2026 | 12.96% | 2.77% | 0.17% | 0.82% | 3.89% |
| Q4 2025 | 11.77% | 2.15% | 0.16% | 0.79% | 3.74% |
| Q3 2025 | 11.90% | 2.51% | 1.07% | 5.49% | 3.74% |
| Q2 2025 | 12.16% | 2.24% | 1.07% | 5.88% | 3.60% |
| Q1 2025 | 13.13% | 2.39% | 0.92% | 4.97% | 3.55% |
| Q4 2024 | 12.85% | 2.01% | 0.97% | 5.31% | 3.46% |
| Q3 2024 | 13.72% | 2.31% | 1.00% | 5.17% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 St. Henry Bank | St. Henry , OH | 45883 | $288.4M |
| Maria Stein Branch | Maria Stein , OH | 45860 | $80.7M |
| North Eastern Branch | Saint Henry , OH | 45883 | $15.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 71 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 St. Henry Bank
What are The St. Henry Bank's total assets?
As of the Q2 2026 filing, The St. Henry Bank reported total assets of $435.6 million in its FFIEC call report.
Where is The St. Henry Bank headquartered?
It is headquartered in Saint Henry, OH, United States.
When was The St. Henry Bank founded?
It was established in 1905, per the FDIC institution directory.
Is The St. Henry Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9871). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The St. Henry Bank?
The St. Henry Bank's primary federal regulator is the Federal Reserve.
How many branches does The St. Henry Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The St. Henry Bank's Texas Ratio?
Its Texas Ratio is 0.50% 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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