Consumers National Bank: how it compares with its peers
Against 29 OH banks with half to twice its assets, Consumers National Bank's strongest measure in Q2 2026 is net interest margin (3.50% vs. a 3.81% peer median). Its weakest relative measure is efficiency ratio (67.56% vs. 59.15%).
| Measure | Consumers National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 1.26% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 3.81% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.56% | 59.15% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.1M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.89% | 82.68% | Context |
What it means for lending operations
Its efficiency ratio of 67.56% is above the 59.15% 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 Merchants National Bank Hillsboro, OH · $1.27B
- The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH · $1.30B
- The Richwood Banking Company Richwood, OH · $1.30B
- Signature Bank, National Association Toledo, OH · $1.31B
- First State Bank Winchester, OH · $1.24B
- The North Side Bank and Trust Company Cincinnati, OH · $1.17B
Questions about Consumers National Bank
How big is Consumers National Bank?
Consumers National Bank, established in 1965, is headquartered in Minerva, OH. It reported $1.28B in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is Consumers National Bank's return on assets?
0.95% annualized in Q2 2026, against a 1.26% median for 29 OH banks with half to twice its assets, ahead of 17% of them.
What is Consumers National Bank's efficiency ratio?
67.56% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 59.15%, and lower is better.
Is Consumers National Bank growing its loans?
Net loans grew 15.3% over the year to Q2 2026, while deposits grew 8.1%.
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.