The Citizens National Bank of Bluffton: how it compares with its peers
Against 34 OH banks with half to twice its assets, The Citizens National Bank of Bluffton's strongest measure in Q2 2026 is return on assets (2.45% vs. a 1.17% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $7.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.45% | 1.17% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 3.62% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.89% | 60.64% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $7.2M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.67% | 80.62% | Context |
What it means for lending operations
Its efficiency ratio of 49.89% is better than the 60.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Liberty Savings Bank, F.S.B. Wilmington, OH · $1.11B
- The North Side Bank and Trust Company Cincinnati, OH · $1.17B
- First Federal Community Bank, National Association Dover, OH · $995M
- First State Bank Winchester, OH · $1.24B
- The Killbuck Savings Bank Company Killbuck, OH · $954M
- The Merchants National Bank Hillsboro, OH · $1.27B
Questions about The Citizens National Bank of Bluffton
How big is The Citizens National Bank of Bluffton?
The Citizens National Bank of Bluffton, established in 1920, is headquartered in Bluffton, OH. It reported $1.10B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is The Citizens National Bank of Bluffton's return on assets?
2.45% annualized in Q2 2026, against a 1.17% median for 34 OH banks with half to twice its assets, ahead of 97% of them.
What is The Citizens National Bank of Bluffton's efficiency ratio?
49.89% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is The Citizens National Bank of Bluffton growing its loans?
Net loans grew 2.9% over the year to Q2 2026, while deposits grew 7.2%.
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.