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614 East Lincoln Way
Minerva, OH 44657

Consumers National Bank is headquartered in Minerva and is the 58th largest bank in the state of Ohio. It is also the 1,804th largest bank in the nation. It was established in 1965 and as of December of 2013, it had grown to 116 employees at 12 locations. Consumers National Bank's savings rates are 10X the national average, and it has a B+ health rating.

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Reviews (2)

Not Lender Friendly

thought a small town bank would be more willing to lend and work with small buisness but was wrong.  The employees are extremely friendly and cant say enough good about them.  As far as lending, not good at all.  Tried several time for small loans on equipment ( 10,000 or less) and no go. Also had a case of theft and fraud and ultimatlly was told "not their problem"  lastly could not even get a credit card with them for small/low limit ( wanted 1000 or less)  and still no dice.  All and all they preach they are a small community bank and show all qualitys of a large corperate system.  yes i had some credit problems in the past (over 2 years ago) and i carry a monthly balance of over 15000 and have for a extended amout of time.  If you are considering them for the smalll town feel, you'll be suprised, there employees is where it stops.

Great Place To Bank

Friendly people that are from the community. They DO work with small business and help to grow communities.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Consumers National Bank had $3.12 million in non-current loans and owned real-estate with $38.12 million in equity and loan loss allowances on hand to cover it. This gives Consumers National Bank a Texas Ratio of 8.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Consumers National Bank experienced no significant changes from 5.90% as of December 31, 2012 to 8.18% as of December 31, 2013, resulting in a negative change of 38.52%. This indicates that the balance sheet and financial strength for Consumers National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Consumers National Bank has increased its total deposits by $7.49 million, resulting in 2.56% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Consumers National Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Consumers National Bank has $362.32 million in assets with $38.12 million in equity, resulting in a capitalization level of 10.52%, which is above average.

Institution Statistics

FDIC Certificate #19482
Year Established1965
Primary RegulatorOCC
Assets and Liabilities
Assets$362.33 million
Loans$217.33 million
Deposits$299.78 million
Equity Capital$35.63 million
Loan Loss Allowance$2.49 million
Unbacked Noncurrent Loans$2.41 million
Real Estate Owned$709,000
Historic Data - December 2012
Assets$344.95 million
Equity Capital$27.02 million
Loan Loss Allowance$2.37 million
Unbacked Noncurrent Loans$2.41 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.68%
Return on Assets0.79%
Return on Equity8.96%
Interest Income$13.18 million

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Consumers National Bank Savings Account Rates

5.00%-$1kDimes To Dollars Savings Account
0.40%$10k-Health Savings Account
0.05%$250k-Personal Savings Account
0.05%$250k-Business Savings Account
0.03%--Holiday Savings Club
0.03%--Youth Statement Savings
0.03%$100-IRA Savings Account
0.03%$100-Roth IRA Savings Account
0.03%$100-SEP IRA Savings Account

Consumers National Bank Money Market Rates

0.10%$25k-Business Maximum Asset Tiered MMDA
0.10%$25k-Consumer Maximum Tiered MMDA

Consumers National Bank Checking Account Rates

3.00%-$10kBrilliant High Yield Checking
1.00%$100-IOLTA NOW
0.25%$200k-Sweep Repurchase Agreement
0.02%--Vivid Interest Checking
0.02%--Brilliant High Yield Checking
0.02%--Business Plus Interest Checking

Consumers National Bank CD Rates

1.50%$2,500-72 Month CD
1.30%$1k-60 Month CD
1.10%$1k-48 Month CD
0.90%$1k-36 Month CD
0.55%$1k-24 Month CD
0.15%$1k-25 Month CD
0.15%$1k-30 Month CD
0.15%$1k-40 Month CD
0.10%$1k-14 Month CD
0.05%$1k-6 Month CD
0.05%$1k-7 Month CD
0.05%$1k-8 Month CD
0.05%$1k-9 Month CD
0.05%$1k-11 Month CD
0.05%$1k-12 Month CD
0.05%$1k-13 Month CD
0.05%$1k-15 Month CD
0.05%$1k-17 Month CD
0.05%$1k-18 Month CD
0.05%$1k-20 Month CD
0.03%$1k-3 Month CD
0.03%$1k-4 Month CD

Consumers National Bank IRA Rates

1.50%$2,500-72 Month IRA (Traditional,Roth,SEP)
1.30%$1k-60 Month IRA (Traditional,Roth,SEP)
1.10%$1k-48 Month IRA (Traditional,Roth,SEP)
0.90%$1k-36 Month IRA (Traditional,Roth,SEP)
0.55%$1k-24 Month IRA (Traditional,Roth,SEP)
0.15%$1k-25 Month IRA (Traditional,Roth,SEP)
0.15%$1k-30 Month IRA (Traditional,Roth,SEP)
0.15%$1k-40 Month IRA (Traditional,Roth,SEP)
0.10%$1k-14 Month IRA (Traditional,Roth,SEP)
0.05%$1k-6 Month IRA (Traditional,Roth,SEP)
0.05%$1k-7 Month IRA (Traditional,Roth,SEP)
0.05%$1k-8 Month IRA (Traditional,Roth,SEP)
0.05%$1k-9 Month IRA (Traditional,Roth,SEP)
0.05%$1k-11 Month IRA (Traditional,Roth,SEP)
0.05%$1k-12 Month IRA (Traditional,Roth,SEP)
0.05%$1k-13 Month IRA (Traditional,Roth,SEP)
0.05%$1k-15 Month IRA (Traditional,Roth,SEP)
0.05%$1k-17 Month IRA (Traditional,Roth,SEP)
0.05%$1k-18 Month IRA (Traditional,Roth,SEP)
0.05%$1k-20 Month IRA (Traditional,Roth,SEP)
0.03%$1k-3 Month IRA (Traditional,Roth,SEP)
0.03%$1k-4 Month IRA (Traditional,Roth,SEP)

Consumers National Bank has 12 locations. Click to view all Consumers National Bank locations.