Conneaut Savings Bank: how it compares with its peers
Against 41 OH banks with half to twice its assets, Conneaut Savings Bank's strongest measure in Q2 2026 is net interest margin (3.85% vs. a 3.72% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $5.6M).
| Measure | Conneaut Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.58% | 0.78% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 3.72% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.74% | 77.33% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $5.6M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.35% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 81.74% is above the 77.33% 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 National Bank of Blanchester Blanchester, OH · $78M
- Galion Building and Loan Bank Galion, OH · $79M
- The Peoples Savings Bank New Matamoras, OH · $72M
- The Covington Savings and Loan Association Covington, OH · $84M
- Versailles Savings and Loan Company Versailles, OH · $66M
- The Peoples Bank Gambier, OH · $60M
Questions about Conneaut Savings Bank
How big is Conneaut Savings Bank?
Conneaut Savings Bank, established in 1888, is headquartered in Conneaut, OH. It reported $77M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Conneaut Savings Bank's return on assets?
0.58% annualized in Q2 2026, against a 0.78% median for 41 OH banks with half to twice its assets, ahead of 37% of them.
What is Conneaut Savings Bank's efficiency ratio?
81.74% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 77.33%, and lower is better.
Is Conneaut Savings Bank growing its loans?
Net loans grew 2.4% over the year to Q2 2026, while deposits grew 1.9%.
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.