Osgood State Bank

Overview / Commentary
275 West Main Street
Osgood, OH 45351

Osgood State Bank is headquartered in Osgood and is the 61st largest bank in the state of Ohio. It is also the 2,193rd largest bank in the nation. It was established in 1915 and as of December of 2021, it had grown to 55 employees at 5 locations. Osgood State Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #9137
Year Established1915
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD14.14%
Annual Interest Income$15.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$364.0MM$337.0MM
LoansQ4 2021vs Q4 2020$224.8MM$209.0MM
DepositsQ4 2021vs Q4 2020$303.3MM$272.2MM
Equity CapitalQ4 2021vs Q4 2020$36.2MM$32.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$5.4MM$4.4MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$67.00K$39.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Osgood State Bank Savings Account Rates

0.05%*$50k*-Health Savings Account
OTHER TIERS: 0.03% $1k - $50k
0.03%$10-Personal Savings
0.03%$100-Business Savings

Osgood State Bank Money Market Rates

0.25%*$2.5m*-High-Tier Money Market
OTHER TIERS: 0.05% $100k - $250k | 0.10% $250k - $500k | 0.15% $500k - $1m | 0.20% $1m - $2.5m
0.25%*$2.5m*-Business High-Tier Money Market
OTHER TIERS: 0.05% $100k - $2.5m | 0.10% $100k - $250k | 0.15% $250k - $500k | 0.20% $500k - $1m
0.15%*$1m*-Business Money Market Deposit Account
OTHER TIERS: 0.03% $1k - $50k | 0.05% $50k - $500k | 0.10% $500k - $1m
0.15%*$1m*-Money Market Deposit Account
OTHER TIERS: 0.03% $1k - $50k | 0.05% $50k - $500k | 0.10% $500k - $1m

Osgood State Bank Checking Account Rates

0.10%$1k-Business Encore Checking
0.05%$500-Business Elite Checking

Osgood State Bank CD Rates

1.16%$1k-60 Month CD
1.05%$1k-48 Month CD
1.00%$1k-26 Month CD Special
0.95%$1k-30 Month CD
0.85%$1k-19 Month CD Special
0.50%$1k-24 Month CD
0.45%$1k-18 Month CD
0.40%$1k-12 Month CD
0.25%$1k-6 Month CD

Osgood State Bank IRA Rates

1.16%$1k-60 Month IRA
1.05%$1k-48 Month IRA
1.00%$1k-26 Month IRA Special
0.95%$1k-30 Month IRA
0.85%$1k-19 Month IRA Special
0.50%$1k-24 Month IRA
0.45%$1k-18 Month IRA
0.40%$1k-12 Month IRA
0.25%$1k-6 Month IRA

Osgood State Bank Locations
Lakeview Branch165 East Lake StreetLakeview, OH 43331
The Osgood State Bank275 W Main StOsgood, OH 45351
Fort Loramie Branch500 Park StreetFort Loramie, OH 45845
Marion Township Branch79 West Franklin StChickasaw, OH 45826

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