FDIC Cert #14355 · Upper Sandusky, Ohio · Est. 1902

The First Citizens National Bank of Upper Sandusky - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$368M
Total assets
B
Health grade · Good
0.52%
Return on assets
13.0%
Tier 1 capital

Data updated July 2026

The verdict

The First Citizens National Bank of Upper Sandusky earns a PlainBankData health grade of B (69/100), with well-capitalized at 13.02% Tier 1, 0.52% ROA, 85% efficiency ratio.

#2,207
largest of 4,313 FDIC banks by assets
49th
percentile by asset size, nationally
13.02%
Tier 1 ratio - above the 10% well-capitalized line
17th
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 14355 · OH B · 69/100

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

  • GRADE-B B (69/100)
  • MID-PACK #3121/4307
  • PHOTO-FINISH Farmers State Bank · KS
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.52% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Farmers State Bank, KS (±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 First Citizens National Bank of U…

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

Morgan Stanley Bank,… · UT ·…100/100Danville State Savin… · IA ·…69/100Farmers State Bank · KS · ne…69/100Security Bank of Pul… · MO ·…69/100The Bank of Houston · MO · n…69/100The First Citizens N… · OH ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First Citizens National Bank of U… · July 2026

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

The First Citizens National Bank of Upper Sandusky (FDIC Cert #14355) carries a PlainBankData health grade of B at 69/100, 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 #3,121 of 4,307. Tier 1 capital prints at 13.02%, clearing the 10% well-capitalized line. The Texas Ratio is 0.04%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.52%. Balance-sheet scale is $368M, 2,207th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers State Bank (KS), 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 First Citizens National Bank of U…

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

The First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky'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 First Citizens National Bank of Upper Sandusky's 69/100 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 avg77/10069/100
The First Citizens National Bank of Upper Sandusky's composite health score
Tier 1 Capital Ratio (13.02%) 35/40
Return on Assets (ROA) (0.52%) 14/25
Texas Ratio (0.04%) 20/20
Efficiency Ratio (85.33%) 0/15

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

Balance sheet at a glance

Total Assets

$368M

Total balance-sheet footings

Total Deposits

$307M

Customer-funded liabilities

Net Loans

$222M

Outstanding loan book

Net Income

$2M

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.) 11.62% 13.02% 14.42%
Basel III capital ratios - The First Citizens National Bank of Upper Sandusky

Where The First Citizens National Bank of Upper Sandusky ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First Citizens National Bank of Upper Sandusky's score of 69/100 falls in the highlighted band.

The First Citizens National Bank of Upper Sandusky: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% 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 First Citizens National Bank of U… 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 First Citizens National Bank of Upper Sandusky'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 First Citizens National Bank of Upper Sandusky's $368M falls in the highlighted band.

Capital & credit buffers at The First Citizens National Bank of U…

Tier 1 capital ratio
Well-capitalized 10%

13.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.02%
Texas Ratio
0.04%
Equity Capital
$43M

What these ratios mean →

Profitability metrics: The First Citizens National Bank of U…

Return on Assets (ROA)
17th percentile nationally
0.52%
Return on Equity (ROE)
4.73%
Efficiency Ratio
85.33%

What these mean →

Income & expense at The First Citizens National Bank of U…

$16M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First Citizens National Bank of Upper Sandusky reports a Texas Ratio of 0.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First Citizens National Bank of Upper Sandusky 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 ($368M here), outside Ohio so the neighborhood is not state containment.

First United National Bank $368M · PA United Roosevelt Savings Bank $368M · NJ SSB Bank $368M · PA TrustTexas Bank, SSB $368M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First Citizens National Bank of Upper Sandusky (FDIC Cert #14355) - 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 First Citizens National Bank of Upper Sandusky 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%