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26 East Main Street
Ashville, OH 43103

The Citizens Bank (OH) is headquartered in Ashville and is the 155th largest bank in the state of Ohio. It is also the 4,787th largest bank in the nation. It was established in 1894 and as of December of 2013, it had grown to 31 employees at 4 locations. The Citizens Bank (OH) has a B+ health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Citizens Bank (OH) has a relatively low asset base.

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 The Citizens Bank (OH) had $370,000 in non-current loans and owned real-estate with $9.37 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Bank (OH) a Texas Ratio of 3.95% 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 The Citizens Bank (OH) decreased dramatically from 17.38% as of December 31, 2012 to 3.95% as of December 31, 2013, resulting in a positive change of 77.28%.This indicates that the balance sheet and financial strength for The Citizens Bank (OH) has improved dramatically in recent periods.

Deposit Growth


In the past year, The Citizens Bank (OH) has decreased its total deposits by $-663,000, resulting in -0.81% 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 The Citizens Bank (OH) has shown is 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. The Citizens Bank (OH) has $98.53 million in assets with $9.37 million in equity, resulting in a capitalization level of 9.51%, which is above average.

Institution Statistics

FDIC Certificate #13223
Year Established1894
Primary RegulatorFDIC
Assets and Liabilities
Assets$98.53 million
Loans$54.91 million
Deposits$80.90 million
Equity Capital$8.50 million
Loan Loss Allowance$871,000
Unbacked Noncurrent Loans$213,000
Real Estate Owned$157,000
Historic Data - December 2012
Assets$98.65 million
Equity Capital$8.25 million
Loan Loss Allowance$942,000
Unbacked Noncurrent Loans$213,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.63%
Return on Assets0.86%
Return on Equity10.72%
Interest Income$3.87 million

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The Citizens Bank (OH) Locations
Commercial Point Branch1 Main StCommercial Point, OH 43116
Circleville Branch120 South Court StreetCircleville, OH 43113
Grove City Branch2250 Stringtown RoadGrove City, OH 43123
The Citizens Bank Of Ashville, Ohio26 East Main StreetAshville, OH 43103