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The Citizens National Bank Of Mcconnelsville
Mcconnelsville, OH · FDIC Certificate #6638 · Chartered 02/0
Total assets
$102.12M
Total deposits
$85.21M
Total equity
$11.52M
Net loans
$71.42M
Branches (offices)
2
Net income (YTD)
$483.00K
Rank: #3,664 of 4,213 U.S. banks by assets · #131 of 155 in Ohio. Assets changed -8.2% and deposits -8.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 8.47% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 11.28% |
| Tier 1 leverage ratio | 12.24% |
| Uninsured deposits (share of deposits) | 18.4% |
| Noncurrent loans (share of loans) | 1.66% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 83.8% |
| Real estate loans (share of loans) | 86.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $61.74M | 86.4% | |
| Commercial & industrial | $5.35M | 7.5% | |
| Consumer / individual | $4.67M | 6.5% | |
| Construction & development | $2.20M | 3.1% | |
| Agricultural | $103.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $106.34M | $90.08M | $178.00K | $9.07M |
| Jun 2023 | $114.84M | $91.34M | $4.00K | $9.22M |
| Jun 2024 | $108.52M | $88.87M | $128.00K | $9.69M |
| Jun 2025 | $111.29M | $92.60M | $662.00K | $10.89M |
| Jun 2026 | $102.12M | $85.21M | $483.00K | $11.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $85.21M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $85.21M.
Similar-sized banks
Gunnison Savings And Loan Association ($102.23M) · The First National Bank Of Hebbronville ($101.98M)
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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