BlastPoint's Banking Scorecard
The Citizens National Bank of Woodsfield
Micro
Specialty: Other
OH
FDIC cert 6732
Designations: ✓ Community bank
Woodsfield, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Citizens National Bank of Woodsfield has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.73% below tier
- + Non-Interest-Bearing Deposit Share 22.82% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.2M
+13.9% YoY
+7.2% QoQ
|
-$62.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$62.8M
+8.3% YoY
+4.5% QoQ
|
-$76.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$137.1M
+7.5% YoY
+2.7% QoQ
|
-$46.5M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.82%
+39.4% YoY
+3.7% QoQ
|
-0.27% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.17%
+10.0% YoY
+1.5% QoQ
|
-0.68% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
67.26%
-9.0% YoY
-0.7% QoQ
|
-0.47% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.37%
-14.6% YoY
-17.4% QoQ
|
-0.27% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
45.80%
+0.7% YoY
+1.8% QoQ
|
-28.73% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
45.21%
+7.6% YoY
+5.0% QoQ
|
+22.82% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-18.8% YoY
-19.5% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
22.22%
-1.1% YoY
-7.2% QoQ
|
+13.36% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.11%
-11.7% YoY
+26.1% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
45.80%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.21%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.21% · Tier avg: 22.39%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.80% · Tier avg: 74.53%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.22% · Tier avg: 8.85%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
47
47th pctile
Efficiency Ratio
Current: 67.26% · Tier avg: 67.73%
41
41th pctile
Total Deposits
Current: $137.1M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $155.2M · Tier avg: $217.5M
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
26
26th pctile
Total Loans
Current: $62.8M · Tier avg: $139.2M
21
21th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
21
21th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.85%
26
26th pctile
Total Loans
Current: $62.8M · Tier avg: $139.2M
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
40
40th pctile
Total Assets
Current: $155.2M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $137.1M · Tier avg: $183.7M
47
47th pctile
Efficiency Ratio
Current: 67.26% · Tier avg: 67.73%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.22% · Tier avg: 8.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.80% · Tier avg: 74.53%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.21% · Tier avg: 22.39%