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 63^rd largest bank in the state of Ohio. It is also the 2,256^th largest bank in the nation. It was established in 1915 and as of September of 2020, it had grown to 54 employees at 5 locations. Osgood State Bank has an A+ health rating.

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Health

A+

Data as of Q3 2020

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Health Grade Components

Overall
FDIC Certificate #	9137
Year Established	1915
Employees	54
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	11.87%
Annual Interest Income	$9.8MM

Assets and Liabilities
Assets	Q3 2020vs Q3 2019	$322.8MM$264.3MM
Loans	Q3 2020vs Q3 2019	$220.8MM$176.3MM
Deposits	Q3 2020vs Q3 2019	$255.9MM$230.8MM
Equity Capital	Q3 2020vs Q3 2019	$32.3MM$28.6MM
Loan Loss Allowance	Q3 2020vs Q3 2019	$4.0MM$2.6MM
Unbacked Noncurrent Loans	Q3 2020vs Q3 2019	$40.00K$48.00K
Real Estate Owned	Q3 2020vs Q3 2019	$0$0

Rates

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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%	$1	-	Christmas Club
0.05%	$1	-	Vacation Club
0.05%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.03% → $1k - $50k
0.03%	$10	-	Personal Savings

Osgood State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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% → Up to $50k \| 0.05% → $50k - $500k \| 0.10% → $500k - $1m

Osgood State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	$1k	-	Now Checking Account
0.03%	$500	-	OSB Preferred 55 Checking

Osgood State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	60 Month CD
0.80%	$1k	-	48-59 Month CD
0.50%	$1k	-	30-47 Month CD
0.50%	$1k	-	9 Month CD Special
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

Osgood State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	60 Month IRA
0.80%	$1k	-	48-59 Month IRA
0.50%	$1k	-	30-47 Month IRA
0.50%	$1k	-	9 Month IRA Special
0.35%	$1k	-	24-29 Month IRA
0.30%	$1k	-	18-23 Month IRA
0.20%	$1k	-	12-17 Month IRA
0.10%	$1k	-	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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