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 71^st largest bank in the state of Ohio. It is also the 2,416^th largest bank in the nation. It was established in 1915 and as of September of 2019, it had grown to 51 employees at 5 locations. Osgood State Bank's money market rates are 36% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	9137
Year Established	1915
Employees	51
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.14%
Return on Equity - YTD	10.82%
Annual Interest Income	$9.0MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$264.3MM$245.2MM
Loans	Q3 2019vs Q3 2018	$176.3MM$169.2MM
Deposits	Q3 2019vs Q3 2018	$230.8MM$214.9MM
Equity Capital	Q3 2019vs Q3 2018	$28.6MM$25.2MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$2.6MM$2.3MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$48.00K$43.00K
Real Estate Owned	Q3 2019vs Q3 2018	$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
0.20%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $1k - $2.5k \| 0.10% → $2.5k - $25k \| 0.15% → $25k - $50k
0.15%	$1	-	Christmas Club
0.15%	$1	-	Vacation Club
0.05%	$10	-	Personal Savings

Osgood State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$1m^*	-	Money Market Deposit Account
OTHER TIERS: 0.10% → $1k - $10k \| 0.25% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $150k \| 0.45% → $150k - $500k \| 0.50% → $500k - $1m

Osgood State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Now Checking Account
0.05%	$500	-	OSB Preferred 55 Checking

Osgood State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	60 Month CD
1.76%	$1k	-	Business 60 Month CD
1.61%	$1k	-	36 Month CD Special
1.31%	$1k	-	18 Month CD Special
1.00%	$1k	-	9 Month CD Special
0.80%	$1k	-	48-59 Month CD
0.80%	$1k	-	Business 48-59 Month CD
0.50%	$1k	-	30-47 Month CD
0.50%	$1k	-	Business 30-47 Month CD
0.35%	$1k	-	24-29 Month CD
0.35%	$1k	-	Business 24-29 Month CD
0.30%	$1k	-	18-23 Month CD
0.30%	$1k	-	Business 18-23 Month CD
0.20%	$1k	-	12-17 Month CD
0.20%	$1k	-	Business 12-17 Month CD
0.10%	$1k	-	6-11 Month CD
0.10%	$1k	-	Business 6-11 Month CD
0.05%	$1k	-	92-181 Day CD

Osgood State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	60 Month IRA
1.76%	$100	-	Business 60 Month IRA
1.61%	$1k	-	36 Month IRA Special
1.31%	$1k	-	18 Month IRA Special
1.00%	$1k	-	9 Month IRA Special
0.80%	$1k	-	48-59 Month IRA
0.80%	$100	-	Business 48 - 59 Month IRA
0.50%	$1k	-	30-47 Month IRA
0.50%	$100	-	Business 30 - 47 Month IRA
0.35%	$1k	-	24-29 Month IRA
0.35%	$100	-	Business 24 - 29 Month IRA
0.30%	$1k	-	18-23 Month IRA
0.30%	$100	-	Business 18 - 23 Month IRA
0.20%	$1k	-	12-17 Month IRA
0.20%	$100	-	Business 12 - 17 Month IRA
0.10%	$1k	-	6-11 Month IRA
0.10%	$100	-	Business 6 - 11 Month IRA
0.05%	$1k	-	92-181 Day IRA

Locations

Osgood State Bank Locations
Lakeview Branch	165 East Lake Street	Lakeview, OH 43331
The Osgood State Bank	275 West Main Street	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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