UPPER SANDUSKY, OH · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindAddress
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$380M
Total Deposits
$326M
Net Loans
$228M
Net Income
$301K
ROA
0.32%
Below avg for Small banks. Peer avg: 0.44%
ROE
2.80%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 69 | 69.57% | 14.49% |
| 2023 | 92 | 71.74% | 15.22% |
| 2019 | 92 | 77.17% | 13.04% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2024 | Satisfactory | Small Bank |
| Jan 2021 | Satisfactory | Small Bank |
| Dec 2017 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1993
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Total Branches
8
Branch Deposits
$312M
1-Year Change
0
5-year net change: +1 branches
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