The First Citizens National Bank of Upper Sandusky

Upper Sandusky, OH

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.90
Capitalization Index	10.00
Liquidity Index	3.30
Profitability Index	3.50
Stability Index	6.60

Company Info	The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH	Click to Compare	Click to Compare	Click to Compare
FDIC Number	14355
Phone Number	(419) 294-2351
Website	www.firstcitizensnational.com

Asset Quality	The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-3.28%
5-Year Asset Growth	5.01%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	-0.01%
Non-Performing Assets to Assets	0.32%
Non-Performing Loans to Capital	0.25%
Non-Performing Loans to Loans	0.55%

Balance Sheet	The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	367.87M
Total Deposits	312.28M

Capital and Reserves	The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH	Click to Compare	Click to Compare	Click to Compare
Capital	42.53M
Leverage Ratio	13.01
Loan Loss Reserves to Loans	1.16%
Risk-Based Capital Ratio	--

Liquidity	The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	8.26%
Liquidity Ratio	24.37%

Profitability	The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.48%
Net Income	1.73M
Net Interest Spread	3.64%
Operating Profit to Average Assets	0.71%
Overhead Efficiency Ratio	82.09%
Return on Assets	0.61%
Return on Equity	5.71%