Liquidity & Balance Sheet · Ohio
US Banks with Highest Loan-to-Deposit Ratio in Ohio
Ranked among banks headquartered in Ohio. Re-ranked 1-100 within the state from the same national ranking population.
#1 Loan-to-Deposit Ratio:THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND — 153.63% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets |
|---|---|---|---|---|
| 1 | THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND | CLEVELAND , OH | 153.63% | $17.5B |
| 2 | SPRING VALLEY BANK | WYOMING , OH | 152.47% | $116M |
| 3 | HOME FEDERAL SAVINGS AND LOAN ASSOCIATION OF NILES OHIO | NILES , OH | 141.68% | $159M |
| 4 | PEOPLES SAVINGS AND LOAN COMPANY, THE | WEST LIBERTY , OH | 123.44% | $111M |
| 5 | WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION | CINCINNATI , OH | 111.89% | $100M |
| 6 | HOME LOAN SAVINGS BANK, THE | COSHOCTON , OH | 111.69% | $383M |
| 7 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LAKEWOOD | LAKEWOOD , OH | 110.47% | $2.9B |
| 8 | COMMUNITY SAVINGS BANK | BETHEL , OH | 110.19% | $111M |
| 9 | CenterBank | Milford , OH | 109.24% | $341M |
| 10 | MIDDLEFIELD BANKING COMPANY, THE | MIDDLEFIELD , OH | 107.57% | $1.9B |
| 11 | NEW CARLISLE FEDERAL SAVINGS BANK | NEW CARLISLE , OH | 107.06% | $330M |
| 12 | FIRST BANK OF OHIO | TIFFIN , OH | 106.38% | $287M |
| 13 | OHIO STATE BANK | BEXLEY , OH | 105.27% | $481M |
| 14 | FIRST FEDERAL COMMUNITY BANK OF BUCYRUS | BUCYRUS , OH | 104.75% | $356M |
| 15 | PEOPLES FIRST SAVINGS BANK | MASON , OH | 103.83% | $102M |
| 16 | CITIZENS NATIONAL BANK OF BLUFFTON, THE | BLUFFTON , OH | 102.85% | $1.1B |
| 17 | UNION SAVINGS BANK | CINCINNATI , OH | 101.59% | $4.0B |
| 18 | COMMUNITY SAVINGS | CALDWELL , OH | 101.11% | $301M |
| 19 | HOME SAVINGS AND LOAN COMPANY OF KENTON, OHIO, THE DBA HSLC | KENTON , OH | 100.42% | $248M |
| 20 | MERCER SAVINGS BANK | CELINA , OH | 100.37% | $174M |
| 21 | RIVERSIDE BANK OF DUBLIN | DUBLIN , OH | 99.61% | $269M |
| 22 | CFBANK NATIONAL ASSOCIATION | COLUMBUS , OH | 98.46% | $2.1B |
| 23 | SSB COMMUNITY BANK | STRASBURG , OH | 97.91% | $289M |
| 24 | FAHEY BANKING COMPANY, THE | MARION , OH | 97.79% | $384M |
| 25 | FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER | LANCASTER , OH | 97.67% | $282M |
| 26 | ADELPHI BANK | COLUMBUS , OH | 96.95% | $117M |
| 27 | APPLE CREEK BANKING COMPANY, THE | APPLE CREEK , OH | 96.91% | $261M |
| 28 | HOMETOWN BANK | KENT , OH | 96.54% | $250M |
| 29 | Premier Bank | Youngstown , OH | 95.45% | $8.6B |
| 30 | FARMERS & MERCHANTS STATE BANK, THE | ARCHBOLD , OH | 95.45% | $3.5B |
| 31 | FARMERS & MERCHANTS BANK | MIAMISBURG , OH | 94.75% | $355M |
| 32 | VALLEY CENTRAL BANK | LIBERTY TOWNSHIP , OH | 94.41% | $188M |
| 33 | MECHANICS BANK | MANSFIELD , OH | 94.12% | $885M |
| 34 | PEOPLES SAVINGS BANK, THE | URBANA , OH | 93.92% | $185M |
| 35 | RIVERHILLS BANK | MILFORD , OH | 93.90% | $344M |
| 36 | MAIN STREET BANK CORP. | WOOSTER , OH | 93.62% | $1.5B |
| 37 | WILMINGTON SAVINGS BANK, THE | WILMINGTON , OH | 93.34% | $265M |
| 38 | MIAMI SAVINGS BANK | MIAMITOWN , OH | 93.06% | $132M |
| 39 | LCNB NATIONAL BANK | LEBANON , OH | 92.48% | $2.2B |
| 40 | FIRST BANK OF CENTRAL OHIO | WORTHINGTON , OH | 92.23% | $246M |
| 41 | CIVISTA BANK | SANDUSKY , OH | 91.91% | $4.3B |
| 42 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN | LORAIN , OH | 91.36% | $567M |
| 43 | SHERWOOD STATE BANK, THE | SHERWOOD , OH | 90.80% | $106M |
| 44 | NATIONAL COOPERATIVE BANK, N.A. | HILLSBORO , OH | 90.73% | $4.1B |
| 45 | GREENVILLE FEDERAL | GREENVILLE , OH | 90.43% | $263M |
| 46 | SIGNATURE BANK, NATIONAL ASSOCIATION | TOLEDO , OH | 90.29% | $1.3B |
| 47 | FIRST FEDERAL COMMUNITY BANK, NATIONAL ASSOCIATION | DOVER , OH | 90.20% | $938M |
| 48 | GUARDIAN SAVINGS BANK | WEST CHESTER , OH | 89.96% | $1.4B |
| 49 | WATERFORD BANK, NA | TOLEDO , OH | 89.60% | $1.7B |
| 50 | BUCKEYE COMMUNITY BANK | ELYRIA , OH | 89.22% | $245M |
| 51 | Heartland Bank | Whitehall , OH | 88.40% | $2.0B |
| 52 | CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION | BELLEFONTAINE , OH | 88.27% | $187M |
| 53 | MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION | TIPP CITY , OH | 88.02% | $143M |
| 54 | PEOPLES BANK | MARIETTA , OH | 88.00% | $9.6B |
| 55 | NORTH VALLEY BANK | ZANESVILLE , OH | 87.90% | $415M |
| 56 | PARK NATIONAL BANK, THE | NEWARK , OH | 87.11% | $12.9B |
| 57 | SAVINGS BANK, THE | CIRCLEVILLE , OH | 86.96% | $518M |
| 58 | UNITED MIDWEST SAVINGS BANK, NATIONAL ASSOCIATION | DE GRAFF , OH | 86.63% | $521M |
| 59 | Westfield Bank, FSB | Westfield Center , OH | 86.55% | $2.1B |
| 60 | STATE BANK AND TRUST COMPANY, THE | DEFIANCE , OH | 85.95% | $1.6B |
| 61 | CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE | MCCONNELSVILLE , OH | 85.92% | $106M |
| 62 | FORT JENNINGS STATE BANK, THE | FORT JENNINGS , OH | 85.45% | $278M |
| 63 | GENOA BANKING COMPANY, THE | GENOA , OH | 85.20% | $731M |
| 64 | CROGHAN COLONIAL BANK, THE | FREMONT , OH | 84.19% | $1.4B |
| 65 | OHIO VALLEY BANK COMPANY, THE | GALLIPOLIS , OH | 84.15% | $1.7B |
| 66 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK | NEWARK , OH | 84.01% | $295M |
| 67 | BALTIC STATE BANK, THE | BALTIC , OH | 83.93% | $123M |
| 68 | HUNTINGTON NATIONAL BANK, THE | COLUMBUS , OH | 83.41% | $284.1B |
| 69 | GREENVILLE NATIONAL BANK | GREENVILLE , OH | 81.56% | $648M |
| 70 | CONSUMERS NATIONAL BANK | MINERVA , OH | 81.56% | $1.2B |
| 71 | LIBERTY SAVINGS BANK, F.S.B. | WILMINGTON , OH | 81.01% | $1.1B |
| 72 | MERCHANTS NATIONAL BANK | HILLSBORO , OH | 80.93% | $1.3B |
| 73 | FARMERS NATIONAL BANK OF CANFIELD, THE | CANFIELD , OH | 80.82% | $7.2B |
| 74 | CORN CITY STATE BANK, THE | DESHLER , OH | 80.64% | $107M |
| 75 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF VAN WERT, OH | VAN WERT , OH | 80.56% | $195M |
| 76 | FARMERS STATE BANK, THE | NEW MADISON , OH | 80.21% | $333M |
| 77 | PORTAGE COMMUNITY BANK | RAVENNA , OH | 80.18% | $555M |
| 78 | BANK419 | METAMORA , OH | 79.62% | $100M |
| 79 | 1ST NATIONAL BANK | LEBANON , OH | 79.55% | $253M |
| 80 | VINTON COUNTY NATIONAL BANK | MC ARTHUR , OH | 79.26% | $1.6B |
| 81 | FARMERS BANK AND SAVINGS COMPANY, THE | POMEROY , OH | 78.64% | $477M |
| 82 | UNION BANK COMPANY, THE | COLUMBUS GROVE , OH | 78.52% | $1.2B |
| 83 | FIDELITY FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELAWARE | DELAWARE , OH | 78.47% | $131M |
| 84 | SETTLERS BANK | MARIETTA , OH | 78.16% | $140M |
| 85 | WOODSFIELD SAVINGS BANK | WOODSFIELD , OH | 78.10% | $122M |
| 86 | CINCINNATUS SAVINGS AND LOAN COMPANY, THE | CHEVIOT , OH | 78.07% | $191M |
| 87 | PEOPLES STATE BANK | NEW LEXINGTON , OH | 78.03% | $304M |
| 88 | NORTH SIDE BANK AND TRUST COMPANY, THE | CINCINNATI , OH | 77.53% | $1.2B |
| 89 | COMMUNITY BANK, THE | ZANESVILLE , OH | 77.38% | $691M |
| 90 | COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE | MILLERSBURG , OH | 77.37% | $1.3B |
| 91 | HAMLER STATE BANK, THE | HAMLER , OH | 77.28% | $126M |
| 92 | RICHWOOD BANKING COMPANY, INC., THE | RICHWOOD , OH | 76.85% | $1.3B |
| 93 | KILLBUCK SAVINGS BANK COMPANY, THE | KILLBUCK , OH | 76.77% | $941M |
| 94 | BELMONT SAVINGS BANK | BELLAIRE , OH | 76.30% | $593M |
| 95 | SOMERVILLE BANK | EATON , OH | 76.17% | $294M |
| 96 | ANTWERP EXCHANGE BANK COMPANY, THE | ANTWERP , OH | 75.31% | $162M |
| 97 | KINGSTON NATIONAL BANK | KINGSTON , OH | 75.10% | $583M |
| 98 | FIRST MUTUAL BANK, FSB | BELPRE , OH | 74.66% | $110M |
| 99 | U.S. BANK NATIONAL ASSOCIATION | CINCINNATI , OH | 74.60% | $683.4B |
| 100 | FIRST FINANCIAL BANK | CINCINNATI , OH | 74.53% | $22.7B |
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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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