The Citizens National Bank of McConnelsville: how it compares with its peers
Against 53 OH banks with half to twice its assets, The Citizens National Bank of McConnelsville's strongest measure in Q2 2026 is net interest margin (4.50% vs. a 3.63% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $5.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 0.75% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.50% | 3.63% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.83% | 77.33% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $5.7M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.81% | 77.68% | Context |
What it means for lending operations
Its efficiency ratio of 73.83% is better than the 77.33% 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
- Peoples First Savings Bank Mason, OH · $100M
- The Corn City State Bank Deshler, OH · $104M
- Bank419 Metamora, OH · $98M
- The First Central National Bank of St. Paris St. Paris, OH · $97M
- The Sherwood State Bank Sherwood, OH · $108M
- The Bank of Magnolia Company Magnolia, OH · $108M
Questions about The Citizens National Bank of McConnelsville
How big is The Citizens National Bank of McConnelsville?
The Citizens National Bank of McConnelsville, established in 1900, is headquartered in Mcconnelsville, OH. It reported $102M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Citizens National Bank of McConnelsville's return on assets?
0.91% annualized in Q2 2026, against a 0.75% median for 53 OH banks with half to twice its assets, ahead of 62% of them.
What is The Citizens National Bank of McConnelsville's efficiency ratio?
73.83% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 77.33%, and lower is better.
Is The Citizens National Bank of McConnelsville growing its loans?
Net loans shrank 5.0% over the year to Q2 2026, while deposits shrank 8.0%.
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.