THE CITIZENS NATIONAL BANK OF BLUFFTON

BLUFFTON, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1920FDIC #6,531

Satisfactory Same

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.39%

Institution Profile

FDIC BankFind

Website

www.cnbohio.com

Address

102 S Main St, BLUFFTON, OH

County

Allen County

Established

January 13, 1920

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 5, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Sep 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$847M

Net Loans

$858M

Net Income

$6M

ROA

2.39%

Above avg for Community banks. Peer avg: 0.90%

ROE

23.88%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA2.39%Peer avg: 0.90%▲ Above avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate6.00%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$806M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	300	77%	6.00%
2023	318	79.87%	7.86%
2022	578	73.53%	5.88%
2021	932	79.51%	7.83%
2020	1,361	83.91%	5.66%
2019	714	82.21%	6.58%
2018	610	79.84%	8.69%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2023	Satisfactory	Intermediate Small Bank
Jul 2020	Satisfactory	Intermediate Small Bank
Jun 2017	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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