FDIC Cert #6531 · Bluffton, Ohio · Est. 1920

The Citizens National Bank of Bluffton - FDIC Bank Health Profile

A community-scale look at The Citizens National Bank of Bluffton's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
A
Health grade · Excellent
2.43%
Return on assets
11.4%
Tier 1 capital

Data updated July 2026

The verdict

The Citizens National Bank of Bluffton earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.43% Tier 1, profitable at 2.43% ROA, efficient (48% cost ratio).

#978
largest of 4,313 FDIC banks by assets
77th
percentile by asset size, nationally
11.43%
Tier 1 ratio - above the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 6531 · OH A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #909/4307
  • PHOTO-FINISH Citizens Bank of Wes… · WV
  • TIER1-WELL 11.4% Tier 1
  • TEXAS-CLEAN 4.4% Texas
  • ROA-STRONG 2.43% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Citizens Bank of West Virginia, Inc., WV (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Citizens National Bank of Bluffton

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of Wes… · WV ·…88/100Peoples Bank, Mt. Wa… · KY ·…88/100The Bank of Monroe · WV · ne…88/100The Citizens Nationa… · OH ·…88/100The Putnam County Na… · NY ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Citizens National Bank of Bluffton · July 2026

Call Report read for The Citizens National Bank of Bluffton in a high-failure state

The Citizens National Bank of Bluffton (FDIC Cert #6531) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #909 of 4,307. Tier 1 capital prints at 11.43%, clearing the 10% well-capitalized line. The Texas Ratio is 4.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.43%. Balance-sheet scale is $1.1B, 978th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank of West Virginia, Inc. (WV), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Citizens National Bank of Bluffton

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

The Citizens National Bank of Bluffton sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about The Citizens National Bank of Bluffton's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How The Citizens National Bank of Bluffton's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
The Citizens National Bank of Bluffton's composite health score
Tier 1 Capital Ratio (11.43%) 28/40
Return on Assets (ROA) (2.43%) 25/25
Texas Ratio (4.40%) 20/20
Efficiency Ratio (48.07%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$794M

Customer-funded liabilities

Net Loans

$856M

Outstanding loan book

Net Income

$26M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.03% 11.43% 12.83%
Basel III capital ratios - The Citizens National Bank of Bluffton

Where The Citizens National Bank of Bluffton ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens National Bank of Bluffton's score of 88/100 falls in the highlighted band.

The Citizens National Bank of Bluffton: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 21% higher than 79% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Citizens National Bank of Bluffton 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Citizens National Bank of Bluffton's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Citizens National Bank of Bluffton's $1.1B falls in the highlighted band.

Capital & credit buffers at The Citizens National Bank of Bluffton

Tier 1 capital ratio
Well-capitalized 10%

11.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.43%
Texas Ratio
4.40%
Equity Capital
$108M

What these ratios mean →

Earnings posture at The Citizens National Bank of Bluffton

Return on Assets (ROA)
96th percentile nationally
2.43%
Return on Equity (ROE)
25.30%
Efficiency Ratio
48.07%

What these mean →

Income & expense at The Citizens National Bank of Bluffton

$62M
Interest Income
$6M
Non-Interest Income
$25M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens National Bank of Bluffton reports a Texas Ratio of 4.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Citizens National Bank of Bluffton on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Ohio so the neighborhood is not state containment.

First Command Bank $1.1B · TX American Bank $1.1B · PA United Bank of Michigan $1.1B · MI Prime Alliance Bank $1.1B · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens National Bank of Bluffton (FDIC Cert #6531) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Citizens National Bank of Bluffton Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%