🏦Bank Scorer

OSGOOD BANK

OSGOOD, OH · Supervised by FDIC

Est. 1915FDIC #9,137RSSD: FDIC-9137
Part ofOSB BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.24%

Institution Profile

FDIC BankFind

Address

275 W Main St, OSGOOD, OH

County

Darke County

Established

January 1, 1915

Total Assets

$514M(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

February 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$514M

Total Deposits

$453M

Net Loans

$282M

Net Income

$2M

ROA

1.24%

ROE

15.82%

Risk-Based Capital

14.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$425M

1-Year Change

+1

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating 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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