Osgood State Bank

Overview / Commentary

www.osgoodbank.com

419-582-2681

275 West Main Street
Osgood, OH 45351

Osgood State Bank is headquartered in Osgood and is the 61^st largest bank in the state of Ohio. It is also the 2,193^rd 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

A+

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	9137
Year Established	1915
Employees	55
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.38%
Return on Equity - YTD	14.14%
Annual Interest Income	$15.2MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$364.0MM$337.0MM
Loans	Q4 2021vs Q4 2020	$224.8MM$209.0MM
Deposits	Q4 2021vs Q4 2020	$303.3MM$272.2MM
Equity Capital	Q4 2021vs Q4 2020	$36.2MM$32.7MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$5.4MM$4.4MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$67.00K$39.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	Business Encore Checking
0.05%	$500	-	Business Elite Checking

Osgood State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Osgood State Bank Locations
Lakeview Branch	165 East Lake Street	Lakeview, OH 43331
The Osgood State Bank	275 W Main St	Osgood, OH 45351
Fort Loramie Branch	500 Park Street	Fort Loramie, OH 45845
Marion Township Branch	79 West Franklin St	Chickasaw, OH 45826

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