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THE CITIZENS NATIONAL BANK OF WOODSFIELD

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

Est. 1933FDIC #6,732
Satisfactory Same

Current rating · Exam: September 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.90%

Is this bank safe?

THE CITIZENS NATIONAL BANK OF WOODSFIELD holds a Satisfactory CRA rating (2021), meets basic financial requirements (ROA +0.90%).

Institution Profile

FDIC BankFind

Address

143 S Main St, WOODSFIELD, OH

County

Monroe County

Established

December 7, 1933

Total Assets

$152M(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 13, 2021

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Sep 2026(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$152M

Total Deposits

$140M

Net Loans

$64M

Net Income

$347K

ROA

0.90%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.18%

Risk-Based Capital

23.45%

Above avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.90%Peer avg: 0.44%▲ Above avg
Risk-Based Capital23.45%Peer avg: 23.03%▲ Above avg
Mortgage Denial Rate7.69%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$136M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245278.85%7.69%
20237082.86%2.86%
201912183.47%4.13%
20189778.35%10.31%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Sep 2021SatisfactorySmall Bank
Aug 2016SatisfactorySmall Bank
Jan 2011SatisfactorySmall Bank

3 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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