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Consumers National Bank
Minerva, OH · FDIC Certificate #19482 · Chartered 09/0
Total assets
$1.28B
Total deposits
$1.12B
Total equity
$89.94M
Net loans
$929.34M
Branches (offices)
23
Net income (YTD)
$5.89M
Rank: #857 of 4,213 U.S. banks by assets · #31 of 155 in Ohio. Assets changed 9.9% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 13.42% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 7.03% |
| Tier 1 leverage ratio | 8.35% |
| Uninsured deposits (share of deposits) | 33.0% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 82.9% |
| Real estate loans (share of loans) | 68.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $640.14M | 68.9% | |
| Commercial & industrial | $118.89M | 12.8% | |
| Consumer / individual | $146.88M | 15.8% | |
| Construction & development | $48.99M | 5.3% | |
| Agricultural | $10.11M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $977.33M | $886.63M | $5.50M | $54.82M |
| Jun 2023 | $1.06B | $952.58M | $5.42M | $56.33M |
| Jun 2024 | $1.10B | $973.03M | $4.30M | $63.35M |
| Jun 2025 | $1.16B | $1.04B | $4.26M | $75.64M |
| Jun 2026 | $1.28B | $1.12B | $5.89M | $89.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.12B | 23 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.12B.
Similar-sized banks
First Southern National Bank ($1.28B) · Legend Bank, N.A. ($1.27B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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