THE VINTON COUNTY NATIONAL BANK: how it compares with its peers
Against 27 OH banks with half to twice its assets, THE VINTON COUNTY NATIONAL BANK's strongest measure in Q2 2026 is net interest margin (3.88% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.20% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 3.65% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.15% | 59.55% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.6M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.39% | 82.89% | Context |
What it means for lending operations
Its efficiency ratio of 59.15% is better than the 59.55% 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
- The State Bank and Trust Company Defiance, OH · $1.61B
- Main Street Bank Corp. Wooster, OH · $1.55B
- The Ohio Valley Bank Company Gallipolis, OH · $1.65B
- The Union Bank Company Columbus Grove, OH · $1.44B
- Sutton Bank Attica, OH · $1.74B
- The Croghan Colonial Bank Fremont, OH · $1.41B
Questions about THE VINTON COUNTY NATIONAL BANK
How big is THE VINTON COUNTY NATIONAL BANK?
THE VINTON COUNTY NATIONAL BANK, established in 1867, is headquartered in Mcarthur, OH. It reported $1.59B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is THE VINTON COUNTY NATIONAL BANK's return on assets?
1.29% annualized in Q2 2026, against a 1.20% median for 27 OH banks with half to twice its assets, ahead of 59% of them.
What is THE VINTON COUNTY NATIONAL BANK's efficiency ratio?
59.15% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 59.55%, and lower is better.
Is THE VINTON COUNTY NATIONAL BANK growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 5.1%.
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.