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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 6638 · OH B · 68/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (68/100)
  • MID-PACK #3177/4307
  • PHOTO-FINISH Cayuga Lake National… · NY
  • TIER1-WELL 11.5% Tier 1
  • TEXAS-CLEAN 13.2% Texas
  • ROA-PAR 1.05% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Cayuga Lake National Bank, NY (±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 McConne…

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

Morgan Stanley Bank,… · UT ·…100/100Cayuga Lake National… · NY ·…68/100Citizens Bank & Trus… · MS ·…68/100Concordia Bank & Tru… · LA ·…68/100Northwestern Bank, N… · MN ·…68/100The Citizens Nationa… · OH ·…68/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Citizens National Bank of McConne… · July 2026

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

The Citizens National Bank of McConnelsville (FDIC Cert #6638) carries a PlainBankData health grade of B at 68/100, 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 #3,177 of 4,307. Tier 1 capital prints at 11.45%, clearing the 10% well-capitalized line. The Texas Ratio is 13.22%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.05%. Balance-sheet scale is $109M, 3,673rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cayuga Lake National Bank (NY), 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 McConne…

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

The Citizens National Bank of McConnelsville 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 McConnelsville'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 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.

0/100100/100National avg77/10068/100
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 Assets

$109M

Total balance-sheet footings

Total Deposits

$88M

Customer-funded liabilities

Net Loans

$75M

Outstanding loan book

Net Income

$1M

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.) 10.05% 11.45% 12.85%
Basel III capital ratios - The Citizens National Bank of McConnelsville

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

68 26th percentile higher than 26% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Citizens National Bank of McConne… 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 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.

Capital & credit buffers at The Citizens National Bank of McConne…

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

What these ratios mean →

Earnings posture at The Citizens National Bank of McConne…

Return on Assets (ROA)
47th percentile nationally
1.05%
Return on Equity (ROE)
10.85%
Efficiency Ratio
70.50%

What these mean →

Income & expense at The Citizens National Bank of McConne…

$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.

FDIC Failed Bank List → View The Citizens National Bank of McConnelsville 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 ($109M here), outside Ohio so the neighborhood is not state containment.

Exchange State Bank $109M · IL Bank of Erath $109M · LA First Federal Savings and Loan Bank $109M · KS First State Bank Minnesota $109M · MN

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.

The Citizens National Bank of McConnelsville 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%