The Ottoville Bank Company: how it compares with its peers
Against 46 OH banks with half to twice its assets, The Ottoville Bank Company's strongest measure in Q2 2026 is efficiency ratio (48.94% vs. a 78.58% peer median). Its weakest relative measure is net interest margin (3.70% vs. 3.71%).
| Measure | The Ottoville Bank Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 0.72% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.71% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.94% | 78.58% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.4M | $5.5M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.07% | 78.35% | Context |
What it means for lending operations
Its efficiency ratio of 48.94% is better than the 78.58% 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
- Home National Bank Racine, OH · $95M
- The First National Bank of Germantown Germantown, OH · $96M
- The First Central National Bank of St. Paris St. Paris, OH · $97M
- Bank419 Metamora, OH · $98M
- Peoples First Savings Bank Mason, OH · $100M
- The Citizens National Bank of McConnelsville Mcconnelsville, OH · $102M
Questions about The Ottoville Bank Company
How big is The Ottoville Bank Company?
The Ottoville Bank Company, established in 1904, is headquartered in Ottoville, OH. It reported $94M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Ottoville Bank Company's return on assets?
1.46% annualized in Q2 2026, against a 0.72% median for 46 OH banks with half to twice its assets, ahead of 87% of them.
What is The Ottoville Bank Company's efficiency ratio?
48.94% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 78.58%, and lower is better.
Is The Ottoville Bank Company growing its loans?
Net loans shrank 10.7% over the year to Q2 2026, while deposits grew 0.1%.
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.