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The Citizens National Bank Of Bluffton
Bluffton, OH · FDIC Certificate #6531 · Chartered 01/1
Total assets
$1.10B
Total deposits
$863.61M
Total equity
$105.63M
Net loans
$869.39M
Branches (offices)
12
Net income (YTD)
$13.31M
Rank: #955 of 4,213 U.S. banks by assets · #36 of 155 in Ohio. Assets changed 3.6% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.45% |
| Return on equity | 24.82% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 9.57% |
| Tier 1 leverage ratio | 11.02% |
| Uninsured deposits (share of deposits) | 42.9% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 100.7% |
| Real estate loans (share of loans) | 84.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $734.68M | 84.5% | |
| Commercial & industrial | $86.21M | 9.9% | |
| Consumer / individual | $3.11M | 0.4% | |
| Construction & development | $53.18M | 6.1% | |
| Agricultural | $46.85M | 5.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $966.84M | $732.55M | $12.24M | $87.63M |
| Jun 2023 | $981.72M | $731.20M | $9.68M | $86.11M |
| Jun 2024 | $1.02B | $782.75M | $10.15M | $92.42M |
| Jun 2025 | $1.07B | $805.83M | $13.22M | $98.06M |
| Jun 2026 | $1.10B | $863.61M | $13.31M | $105.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $863.61M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $863.61M.
Similar-sized banks
Triad Bank ($1.11B) · Access Bank ($1.10B)
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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