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Osgood Bank

$100M-$1B Specialty: Commercial OH FDIC cert 9137

Osgood, OH

6 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 +2.9% year over year ($437.3M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 1.29%.
  • Efficiency ratio 60.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.13% 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) →

Osgood Bank has 2 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

  • + Efficiency Ratio 4.07% below tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 31.2% in tier
  • - Non-Interest-Bearing Deposit Share 15.28% below tier average
  • - Net Interest Margin 0.25% below tier average
Get updates when Osgood Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $485.8M
+0.5% YoY -5.5% QoQ
+$99.2M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $297.9M
-0.4% YoY +5.6% QoQ
+$39.6M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $437.3M
+2.9% YoY -3.4% QoQ
+$110.6M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 1.29%
+4.4% YoY +4.0% QoQ
-0.03% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 3.74%
+2.0% YoY +5.5% QoQ
-0.25% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 60.40%
-0.2% YoY +2.1% QoQ
-4.07% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.39%
+65.5% YoY -40.9% QoQ
-0.53% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 68.13%
-3.2% YoY +9.3% QoQ
-9.82% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
72%
Non-Interest-Bearing Deposit Share ? 6.75%
-9.4% YoY +7.5% QoQ
-15.28% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 5.5% in tier
Nonperforming Asset Ratio ? 0.24%
+63.9% YoY -34.0% QoQ
-0.43% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 12.98%
+11.3% YoY +0.7% QoQ
-2.93% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.16%
-23.1% YoY +88.9% QoQ
-0.40% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
39%

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 6.8%
-0.7pp YoY
+0.5pp QoQ
 -15.4pp 22.1% 18.8% 22.2% 5%
Brokered Deposits 1.1%
0.0pp YoY
0.0pp QoQ
 -6.7pp 7.9% 7.7% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 54.2%
-0.4pp YoY
-1.7pp QoQ
 +42.6pp 11.6% 10.2% 12.5% 99%
CRE 27.3%
-0.6pp YoY
+0.3pp QoQ
 -12.3pp 39.5% 34.2% 41.4% 30%
1-4 Family 14.8%
0.0pp YoY
0.0pp QoQ
 -17.9pp 32.6% 50.0% 31.3% 19%
Consumer 0.5%
-0.1pp YoY
0.0pp QoQ
 -3.7pp 4.1% 4.7% 5.0% 15%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 13.0%
+1.3pp YoY
+0.1pp QoQ
 -5.8pp 18.8% 22.1% 19.7% 28%
Leverage Ratio 9.9%
+0.8pp YoY
+0.8pp QoQ
 -2.3pp 12.2% 12.9% 12.6% 28%
Total Capital Ratio 14.2%
+1.3pp YoY
+0.1pp QoQ
 -5.7pp 19.9% 23.2% 20.8% 29%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 65
+1 (+1.6%) YoY
+2 (+3.2%) QoQ
 +6 58 2,433 482 67%
Assets per Employee ($) $7.5M
-1.0% YoY
-8.4% QoQ
 -$45K $7.5M $7.6M $8.8M 60%
Branch Count 6
0 YoY
0 QoQ
 +1 4 81 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.4%
+0.2pp YoY
-0.3pp QoQ
 -0.5pp 0.9% 0.6% 1.0% 46%
Allowance Coverage 4.75x
-36.5% YoY
+47.1% QoQ
 -19.40x 24.15x 18.95x 20.23x 69%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
+0.3pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 15.8%
-1.0pp YoY
0.0pp QoQ
 +3.6pp 12.2% 9.7% 11.6% 72%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
-0.1pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 62%
Net Income ($, YTD) $3.2M
+7.5% YoY
— QoQ
 +$688K $2.6M $259.3M $40.4M 73%

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 (1)

Credit Quality Pressure

risk
#393 of 1256 • Bottom 31.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.39%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2498
Non-Interest-Bearing Deposit Share
funding
Value: 6.75%
Peer Median: 22.03%
#2498 of 2643 Bottom 5.5% in $100M-$1B
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