Total Assets
$109M
Total balance-sheet footings
FDIC Cert #6638 · Mcconnelsville, Ohio · Est. 1900
The Citizens National Bank of McConnelsville - FDIC Bank Health Profile
A community-scale look at The Citizens National Bank of McConnelsville's own numbers, pulled straight from its quarterly FDIC Call Report.
- $109M
- Total assets
- B
- Health grade · Good
- 1.05%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
The Citizens National Bank of McConnelsville earns a PlainBankData health grade of B (68/100), with well-capitalized at 11.45% Tier 1, profitable at 1.05% ROA, 70% efficiency ratio.
- #3,673
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 11.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Citizens National Bank of McConnelsville's 68/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Citizens National Bank of McConnelsville's composite health score
Tier 1 Capital Ratio (11.45%) 28/40
Return on Assets (ROA) (1.05%) 20/25
Texas Ratio (13.22%) 16/20
Efficiency Ratio (70.50%) 4/15
68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$88M
Customer-funded liabilities
Net Loans
$75M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Citizens National Bank of McConnelsville ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens National Bank of McConnelsville's score of 68/100 falls in the highlighted band.
The Citizens National Bank of McConnelsville'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 McConnelsville's $109M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.45%
Texas Ratio
13.22%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.05%
Return on Equity (ROE)
10.85%
Efficiency Ratio
70.50%
What the numbers say about The Citizens National Bank of McConnelsville
The Citizens National Bank of McConnelsville is an FDIC-insured institution (Certificate #6638) headquartered in Mcconnelsville, Ohio, established in 1900. It holds $109M in total assets - 3,673rd of 4,313 FDIC-insured banks, $88M in customer deposits, and $75M in net loans. Looking at capital strength, Tier 1 stands at 11.45%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 13.22%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (68/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Citizens National Bank of McConnelsville ranks 124th of 158 banks based in Ohio -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$677K
Non-Interest Income
$3M
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 McConnelsville reports a Texas Ratio of 13.22% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens National Bank of McConnelsville (FDIC Cert #6638) - 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.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Citizens National Bank of McConnelsville's health grade?▼
The Citizens National Bank of McConnelsville receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Citizens National Bank of McConnelsville?▼
The Citizens National Bank of McConnelsville holds $109M in total assets and $88M in deposits, ranking 3,673rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Mcconnelsville, Ohio.
Is my money safe at The Citizens National Bank of McConnelsville?▼
Yes, deposits at The Citizens National Bank of McConnelsville (Certificate #6638) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens National Bank of McConnelsville's Tier 1 Capital Ratio?▼
The Citizens National Bank of McConnelsville has a Tier 1 Capital Ratio of 11.45%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Citizens National Bank of McConnelsville?▼
The Citizens National Bank of McConnelsville has a Texas Ratio of 13.22%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Citizens National Bank of McConnelsville?▼
The Citizens National Bank of McConnelsville has an Efficiency Ratio of 70.50%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens National Bank of McConnelsville's profile as a depositor or analyst.
- The Citizens National Bank of McConnelsville's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens National Bank of McConnelsville against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.