Bank419: how it compares with its peers
Against 51 OH banks with half to twice its assets, Bank419's strongest measure in Q2 2026 is net interest margin (4.56% vs. a 3.63% peer median). Its weakest relative measure is assets per employee ($3.9M vs. $5.7M).
| Measure | Bank419 | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.58% | 0.78% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.56% | 3.63% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.25% | 76.84% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $5.7M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.40% | 77.89% | Context |
What it means for lending operations
Its efficiency ratio of 84.25% is above the 76.84% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First Central National Bank of St. Paris St. Paris, OH · $97M
- Peoples First Savings Bank Mason, OH · $100M
- The First National Bank of Germantown Germantown, OH · $96M
- Home National Bank Racine, OH · $95M
- The Citizens National Bank of McConnelsville Mcconnelsville, OH · $102M
- The Ottoville Bank Company Ottoville, OH · $94M
Questions about Bank419
How big is Bank419?
Bank419, established in 1944, is headquartered in Metamora, OH. It reported $98M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank419's return on assets?
0.58% annualized in Q2 2026, against a 0.78% median for 51 OH banks with half to twice its assets, ahead of 35% of them.
What is Bank419's efficiency ratio?
84.25% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 76.84%, and lower is better.
Is Bank419 growing its loans?
Net loans shrank 4.8% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.