The Citizens National Bank of Bluffton: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Citizens National Bank of Bluffton is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, The Citizens National Bank of Bluffton reported $1.1B in total assets against $864M in deposits. Profitability is strong, 2.48% ROA, paired with 25.72% ROE and a 4.39% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.02% exceeds the CBLR threshold. Asset quality is solid, 0.71% nonperforming loans and a 5.26% Texas Ratio. Its footprint covers 12 branches concentrated in Ohio.
As of June 30, 2026, The Citizens National Bank of Bluffton reported a Tier 1 leverage ratio of 11.02%, a return on assets of 2.48%, a nonperforming-loan ratio of 0.71%, a Texas ratio of 5.26%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 102 S Main St, Bluffton, OH 45817
- County
- Allen
- Metro Area
- Lima, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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 13, 1920
- Offices
- 12 domestic
- Employees (FTE)
- 160
- Domestic deposits
- $863.6M
- Allowance for credit losses
- $13.3M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $1.10B
- Average total loans
- $877.7M
- Average interest-bearing deposits
- $819.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6531
- Fed RSSD
- 738013
- Website
- www.cnbohio.com →
- Parent Holding Company
- CITIZENS BANCSHARES, INC. (RSSD 3248821)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Citizens National Bank of Bluffton, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Citizens National Bank of Bluffton rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Citizens National Bank of Bluffton: ROA, Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.02% | 2.48% | 0.71% | 5.26% | 4.39% |
| Q1 2026 | 11.44% | 2.36% | 0.71% | 5.08% | 4.25% |
| Q4 2025 | 11.43% | 2.41% | 0.66% | 4.74% | 4.38% |
| Q3 2025 | 11.19% | 2.26% | 0.43% | 3.26% | 4.24% |
| Q2 2025 | 11.13% | 2.58% | 0.13% | 1.02% | 4.24% |
| Q1 2025 | 11.37% | 2.34% | 0.12% | 0.91% | 4.10% |
| Q4 2024 | 11.21% | 2.16% | 0.18% | 1.48% | 3.87% |
| Q3 2024 | 10.91% | 1.99% | 0.15% | 1.12% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens National Bank of Bluffton | Bluffton , OH | 45817 | $227.5M |
| Lima Branch | Lima , OH | 45801 | $162.9M |
| Van Vert Branch | Van Wert , OH | 45891 | $150.1M |
| Celina Branch | Celina , OH | 45822 | $100.6M |
| Springfield Branch | Springfield , OH | 45504 | $76.2M |
| Defiance Branch | Defiance , OH | 43512 | $52.8M |
| Findlay Branch | Findlay , OH | 45840 | $45.4M |
| Elida Branch | Elida , OH | 45807 | $36.8M |
| Toledo Branch | Toledo , OH | 43606 | $11.2M |
| Cnb Operations Center Branch | Bluffton , OH | 45817 | $0 |
| Lima Office Drive-Thru Branch | Lima , OH | 45801 | $0 |
| South Main Street Branch | Bluffton , OH | 45817 | $0 |
Regulatory record
What the public regulatory sources show for The Citizens National Bank of Bluffton, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- July 12, 2000, OCC: Formal Agreement: The Citizens National Bank of Bluffton
- Period: Most recent institution action July 12, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OH, rank 44 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 366 applications, 261 loans originated, $69.6M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Citizens National Bank of Bluffton
What are The Citizens National Bank of Bluffton's total assets?
As of the Q2 2026 filing, The Citizens National Bank of Bluffton reported total assets of $1.10 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens National Bank of Bluffton headquartered?
The Citizens National Bank of Bluffton is headquartered in Bluffton, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Citizens National Bank of Bluffton founded?
The Citizens National Bank of Bluffton was established in 1920, per the FDIC institution directory.
Is The Citizens National Bank of Bluffton FDIC-insured?
Yes. The Citizens National Bank of Bluffton is an FDIC-insured commercial bank (FDIC Certificate #6531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank of Bluffton?
The Citizens National Bank of Bluffton's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The Citizens National Bank of Bluffton operate?
The Citizens National Bank of Bluffton operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank of Bluffton's Texas Ratio?
The Citizens National Bank of Bluffton's Texas Ratio is 5.26% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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