FDIC Cert #13341 · Fremont, Ohio · Est. 1888

The Croghan Colonial Bank - FDIC Bank Health Profile

A community-scale look at The Croghan Colonial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.3B
Total assets
A
Health grade · Excellent
1.01%
Return on assets
12.6%
Tier 1 capital

Data updated July 2026

The verdict

The Croghan Colonial Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.56% Tier 1, profitable at 1.01% ROA, 67% efficiency ratio.

#835
largest of 4,313 FDIC banks by assets
81st
percentile by asset size, nationally
12.56%
Tier 1 ratio - above the 10% well-capitalized line
43rd
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 13341 · OH A · 83/100

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

  • GRADE-A A (83/100)
  • MID-PACK #1561/4307
  • PHOTO-FINISH Peoples State Bank · ND
  • TIER1-WELL 12.6% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-PAR 1.01% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Peoples State Bank, ND (±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 Croghan Colonial Bank

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

Morgan Stanley Bank,… · UT ·…100/100CNB Bank · PA · near83/100F&M Bank · OK · near83/100Peoples State Bank · ND · ne…83/100State Bank of Schaller · IA …83/100The Croghan Colonial… · OH ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Croghan Colonial Bank · July 2026

Call Report read for The Croghan Colonial Bank in a high-failure state

The Croghan Colonial Bank (FDIC Cert #13341) carries a PlainBankData health grade of A at 83/100, 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 #1,561 of 4,307. Tier 1 capital prints at 12.56%, clearing the 10% well-capitalized line. The Texas Ratio is 0.45%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.01%. Balance-sheet scale is $1.3B, 835th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples State Bank (ND), 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 Croghan Colonial Bank

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

The Croghan Colonial Bank 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 Croghan Colonial Bank'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 Croghan Colonial Bank's 83/100 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 avg77/10083/100
The Croghan Colonial Bank's composite health score
Tier 1 Capital Ratio (12.56%) 35/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (0.45%) 20/20
Efficiency Ratio (66.82%) 8/15

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

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$974M

Customer-funded liabilities

Net Loans

$821M

Outstanding loan book

Net Income

$12M

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.) 11.16% 12.56% 13.96%
Basel III capital ratios - The Croghan Colonial Bank

Where The Croghan Colonial Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Croghan Colonial Bank's score of 83/100 falls in the highlighted band.

The Croghan Colonial Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 36% higher than 64% 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 Croghan Colonial Bank 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 Croghan Colonial Bank'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 Croghan Colonial Bank's $1.3B falls in the highlighted band.

Capital & credit buffers at The Croghan Colonial Bank

Tier 1 capital ratio
Well-capitalized 10%

12.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.56%
Texas Ratio
0.45%
Equity Capital
$137M

What these ratios mean →

Earnings posture at The Croghan Colonial Bank

Return on Assets (ROA)
43rd percentile nationally
1.01%
Return on Equity (ROE)
9.40%
Efficiency Ratio
66.82%

What these mean →

Income & expense at The Croghan Colonial Bank

$60M
Interest Income
$8M
Non-Interest Income
$32M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Croghan Colonial Bank reports a Texas Ratio of 0.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Croghan Colonial Bank 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 ($1.3B here), outside Ohio so the neighborhood is not state containment.

Sabine State Bank and Trust Company $1.3B · LA First State Bank $1.3B · MI Central Bank $1.3B · TX Genesee Regional Bank $1.3B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Croghan Colonial Bank (FDIC Cert #13341) - 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 Croghan Colonial Bank 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%