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Overview / Commentary
419-582-2681
275 West Main Street
Osgood, OH 45351

The Osgood State Bank is headquartered in Osgood and is the 87th largest bank in the state of Ohio. It is also the 3,069th largest bank in the nation. It was established in 1915 and as of December of 2016, it had grown to 44 employees at 4 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

Health Grade Components

Overall
FDIC Certificate #9137
Year Established1915
Employees44
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD8.49%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$193.8MM$184.0MM
LoansQ4 2016vs Q4 2015$117.6MM$97.4MM
DepositsQ4 2016vs Q4 2015$163.6MM$157.7MM
Equity CapitalQ4 2016vs Q4 2015$17.3MM$17.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.6MM$1.4MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$97.00K$379.00K
Real Estate OwnedQ4 2016vs Q4 2015$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Now Checking
0.05%$500-OSB Preferred 55 Checking

The Osgood State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Branch165 East Lake StreetLakeview, OH 43331
The Osgood State Bank275 West Main StreetOsgood, OH 45351
Fort Loramie Branch500 Park StreetFort Loramie, OH 45845
Marion Township Branch79 West Franklin StChickasaw, OH 45826