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The Citizens National Bank of Woodsfield

$100M-$1B Specialty: Other OH FDIC cert 6732

Woodsfield, OH

4 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +4.2% year over year ($141.9M on the books).
  • Delinquency rate 0.79%.
  • Return on assets 1.04%.
  • Efficiency ratio 63.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 44.57% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Citizens National Bank of Woodsfield has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 24.40% above tier average
  • + Efficiency Ratio 1.35% below tier average
  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest Income / Assets 0.50% below tier average
  • - ROA 0.28% below tier average
  • - Net Interest Margin 0.46% below tier average
Get updates when The Citizens National Bank of Woodsfield releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $153.9M
+5.1% YoY +1.5% QoQ
-$232.6M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
15%
Total Loans ? $63.3M
+6.7% YoY -0.4% QoQ
-$195.1M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Bottom 5.3% in tier
Total Deposits ? $141.9M
+4.2% YoY +1.5% QoQ
-$184.8M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 1.04%
+32.3% YoY +14.7% QoQ
-0.28% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 3.53%
+14.8% YoY +2.8% QoQ
-0.46% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 63.13%
-7.1% YoY -4.9% QoQ
-1.35% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.79%
+323.0% YoY +85.6% QoQ
-0.13% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 44.57%
+2.4% YoY -1.8% QoQ
-33.39% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Top 5.7% in tier
Non-Interest-Bearing Deposit Share ? 46.43%
+5.5% YoY +1.1% QoQ
+24.40% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Top 2.3% in tier
Nonperforming Asset Ratio ? 0.33%
+329.5% YoY +82.2% QoQ
-0.34% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 23.30%
-1.0% YoY +2.3% QoQ
+7.39% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 8.6% in tier
Non-Interest Income / Assets ? 0.07%
+9.1% YoY +93.3% QoQ
-0.50% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Bottom 8.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 46.4%
+2.4pp YoY
+0.5pp QoQ
 +24.3pp 22.1% 18.8% 22.2% 98%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 9.0%
+0.4pp YoY
+0.1pp QoQ
 -2.6pp 11.6% 10.2% 12.5% 46%
CRE 9.2%
+1.2pp YoY
+0.8pp QoQ
 -30.3pp 39.5% 34.2% 41.4% 4%
1-4 Family 76.6%
-1.0pp YoY
-0.9pp QoQ
 +43.9pp 32.6% 50.0% 31.3% 96%
Consumer 2.5%
-0.8pp YoY
0.0pp QoQ
 -1.6pp 4.1% 4.7% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 23.3%
-0.2pp YoY
+0.5pp QoQ
 +4.5pp 18.8% 22.1% 19.7% 86%
Leverage Ratio 8.9%
+0.3pp YoY
+0.3pp QoQ
 -3.3pp 12.2% 12.9% 12.6% 10%
Total Capital Ratio 24.0%
-0.3pp YoY
+0.5pp QoQ
 +4.0pp 19.9% 23.2% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 28
0 YoY
-1 (-3.4%) QoQ
 -31 58 2,433 482 24%
Assets per Employee ($) $5.5M
+5.1% YoY
+5.1% QoQ
 -$2.0M $7.5M $7.6M $8.8M 22%
Branch Count 4
0 YoY
0 QoQ
 -1 4 81 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.8%
+0.6pp YoY
+0.4pp QoQ
 +0.5pp 0.3% 0.2% 0.4% 89%
Nonaccrual n/a n/a 0.9% 0.6% 1.0% n/a
Allowance Coverage 0.81x
-77.1% YoY
-45.6% QoQ
 -23.34x 24.15x 18.95x 20.23x 21%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 13.9%
+1.9pp YoY
+1.7pp QoQ
 +1.7pp 12.2% 9.7% 11.6% 61%
Cost of Funds (YTD) 0.2%
-0.1pp YoY
0.0pp QoQ
 -1.6pp 1.7% 1.7% 1.7% 1%
Net Income ($, YTD) $797,000
+43.3% YoY
— QoQ
 -$1.8M $2.6M $259.3M $40.4M 20%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

63
Non-Interest-Bearing Deposit Share
funding
Value: 46.43%
Peer Median: 22.03%
#63 of 2643 Top 2.3% in $100M-$1B
152
Loan-to-Deposit Ratio
liquidity
Value: 44.57%
Peer Median: 77.95%
#152 of 2643 Top 5.7% in $100M-$1B
227
Tier 1 Capital Ratio
capital
Value: 23.30%
Peer Median: 15.91%
#227 of 2643 Top 8.6% in $100M-$1B

Top Weaknesses (4 metrics)

2505
Total Loans
size
Value: $63.25M
Peer Median: $258.35M
#2505 of 2643 Bottom 5.3% in $100M-$1B
2412
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2412 of 2643 Bottom 8.8% in $100M-$1B
2243
Total Assets
size
Value: $153.93M
Peer Median: $386.57M
#2243 of 2643 Bottom 15.2% in $100M-$1B
2147
Total Deposits
size
Value: $141.93M
Peer Median: $326.73M
#2147 of 2643 Bottom 18.8% in $100M-$1B
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