The Osgood State Bank

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LOCATIONS

36 Month Double-Up CD Special

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.20%	1-year CD	12-17 Month CD 1.50% - Ally Bank No Penalty 11-Month CD
0.05%	Savings	Personal Savings 1.15% - CIT Bank Spring Savings

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Overview / Commentary

www.osgoodbank.com

419-582-2681

275 West Main Street
Osgood, OH 45351

The Osgood State Bank is headquartered in Osgood and is the 84^th largest bank in the state of Ohio. It is also the 3,009^th largest bank in the nation. It was established in 1915 and as of March of 2017, it had grown to 46 employees at 5 locations. The Osgood State Bank's money market rates are 14% higher than the national average, and it has an A health rating.

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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	9137
Year Established	1915
Employees	46
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	8.63%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$199.3MM$184.4MM
Loans	Q1 2017vs Q1 2016	$122.6MM$97.9MM
Deposits	Q1 2017vs Q1 2016	$165.7MM$158.0MM
Equity Capital	Q1 2017vs Q1 2016	$17.9MM$17.6MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$1.6MM$1.4MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$126.00K$433.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Osgood State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $10 - $2,500 \| 0.10% → $2,500 - $25k \| 0.15% → $25k - $50k
0.15%	-	-	Christmas Club
0.15%	-	-	Vacation Club
0.05%	-	-	Personal Savings

The Osgood State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$1m^*	-	Money Market Deposit Account
OTHER TIERS: 0.10% → $1k - $10k \| 0.25% → $10k - $50k \| 0.30% → $50k - $150k \| 0.35% → $150k - $500k \| 0.40% → $500k - $1mm

The Osgood State Bank Checking Account Rates

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

The Osgood State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$2,500	-	36 Month Double-Up CD Special
1.00%	$1k	-	60 Month CD
1.00%	$1k	-	18 Month CD Special
0.80%	$1k	-	48-59 Month CD
0.35%	$1k	-	24-29 Month CD
0.30%	$1k	-	18-23 Month CD
0.20%	$1k	-	12-17 Month CD
0.10%	$1k	-	6-11 Month CD
0.05%	$1k	-	92-181 Day CD

The Osgood State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$100	-	18 Month IRA
1.00%	$100	-	60 Month IRA
0.80%	$100	-	48 Month IRA
0.50%	$100	-	30 Month IRA
0.35%	$100	-	24 Month IRA
0.20%	$100	-	12 Month IRA
0.10%	$100	-	6 Month IRA

Locations

The 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