Osgood Bank: how it compares with its peers
Against 55 OH banks with half to twice its assets, Osgood Bank's strongest measure in Q2 2026 is return on assets (1.29% vs. a 1.02% peer median). Its weakest relative measure is net interest margin (3.74% vs. 3.75%).
| Measure | Osgood Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.02% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.74% | 3.75% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.40% | 69.07% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.5M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.13% | 82.84% | Context |
What it means for lending operations
Its efficiency ratio of 60.40% is better than the 69.07% 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
- Ohio State Bank Bexley, OH · $484M
- The Farmers Bank and Savings Company Pomeroy, OH · $472M
- First National Bank in New Bremen New Bremen, OH · $467M
- The Savings Bank Circleville, OH · $520M
- United Midwest Savings Bank, National Association Degraff, OH · $523M
- The St. Henry Bank St. Henry, OH · $436M
Questions about Osgood Bank
How big is Osgood Bank?
Osgood Bank, established in 1915, is headquartered in Osgood, OH. It reported $486M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Osgood Bank's return on assets?
1.29% annualized in Q2 2026, against a 1.02% median for 55 OH banks with half to twice its assets, ahead of 67% of them.
What is Osgood Bank's efficiency ratio?
60.40% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 69.07%, and lower is better.
Is Osgood Bank growing its loans?
Net loans shrank 0.4% over the year to Q2 2026, while deposits grew 2.9%.
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.