The Citizens National Bank of Woodsfield: how it compares with its peers
Against 68 OH banks with half to twice its assets, The Citizens National Bank of Woodsfield's strongest measure in Q2 2026 is efficiency ratio (63.13% vs. a 76.12% peer median). Its weakest relative measure is net interest margin (3.53% vs. 3.62%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 0.78% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.53% | 3.62% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.13% | 76.12% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $5.8M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.57% | 80.64% | Context |
What it means for lending operations
Its efficiency ratio of 63.13% is better than the 76.12% 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
- Nationwide Trust Company, FSB Columbus, OH · $154M
- Peoples Savings and Loan Company Bucyrus, OH · $157M
- Home Federal Savings and Loan Association of Niles Niles, OH · $159M
- Miami Savings Bank Miamitown, OH · $148M
- The Antwerp Exchange Bank Company Antwerp, OH · $161M
- Monroe Federal Savings and Loan Association Tipp City, OH · $145M
Questions about The Citizens National Bank of Woodsfield
How big is The Citizens National Bank of Woodsfield?
The Citizens National Bank of Woodsfield, established in 1933, is headquartered in Woodsfield, OH. It reported $154M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Citizens National Bank of Woodsfield's return on assets?
1.04% annualized in Q2 2026, against a 0.78% median for 68 OH banks with half to twice its assets, ahead of 66% of them.
What is The Citizens National Bank of Woodsfield's efficiency ratio?
63.13% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 76.12%, and lower is better.
Is The Citizens National Bank of Woodsfield growing its loans?
Net loans grew 6.7% over the year to Q2 2026, while deposits grew 4.2%.
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.