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26 East Main Street
Ashville, OH 43103

The Citizens Bank (OH) is headquartered in Ashville and is the 145th largest bank in the state of Ohio. It is also the 4,614st largest bank in the nation. It was established in 1894 and as of March of 2014, it had grown to 31 employees at 4 locations. The Citizens Bank (OH) has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Citizens Bank (OH) had $459,000 in non-current loans and owned real-estate with $9.57 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Bank (OH) a Texas Ratio of 4.79% 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 14.68% as of March 31, 2013 to 4.79% as of March 31, 2014, resulting in a positive change of 67.34%.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 $-932,000, resulting in -1.06% 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 $104.64 million in assets with $9.57 million in equity, resulting in a capitalization level of 9.15%, which is average.

Institution Statistics

FDIC Certificate #13223
Year Established1894
Primary RegulatorFDIC
Assets and Liabilities
Assets$104.64 million
Loans$57.82 million
Deposits$86.98 million
Equity Capital$8.68 million
Loan Loss Allowance$897,000
Unbacked Noncurrent Loans$356,000
Real Estate Owned$103,000
Historic Data - March 2013
Assets$104.94 million
Equity Capital$8.18 million
Loan Loss Allowance$943,000
Unbacked Noncurrent Loans$356,000
Real Estate Owned$52,000
Profit Margin - Quarterly
Net Interest Margin3.59%
Return on Assets0.44%
Return on Equity5.26%
Interest Income$948,000

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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