The First Citizens National Bank of Upper Sandusky
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. A current level of 1.2 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 20.2 percent and a “hot money” ratio of 8.4 percent.
Asset Mix:
Comm re (26%), securities (24%), home mtgs (15%), cash (6%), comm loans (3%), home eq lns (2%), consumer loans (0%), other (25%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
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Address
100 North Sandusky Avenue
Upper Sandusky, OH 43351
Upper Sandusky, OH 43351
Phone Number
(419) 294-2351
Year Founded
FDIC Number
Largest Affiliates
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