B
The Citizens National Bank of Bluffton
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Citizens National Bank of Bluffton
Bluffton, OH
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Rating B
Asset Quality Index 5.80
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 9.40
Stability Index 5.70
Company Info The Citizens National Bank of Bluffton
Bluffton, OH
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FDIC Number 6531
Phone Number (419) 358-8040
Website www.cnbohio.com/
Asset Quality The Citizens National Bank of Bluffton
Bluffton, OH
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1-Year Asset Growth 3.60%
5-Year Asset Growth 2.57%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.57%
Non-Performing Loans to Capital 4.47%
Non-Performing Loans to Loans 0.71%
Balance Sheet The Citizens National Bank of Bluffton
Bluffton, OH
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Total Assets 1.10B
Total Deposits 863.61M
Capital and Reserves The Citizens National Bank of Bluffton
Bluffton, OH
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Capital 105.63M
Leverage Ratio 11.02
Loan Loss Reserves to Loans 1.50%
Risk-Based Capital Ratio --
Liquidity The Citizens National Bank of Bluffton
Bluffton, OH
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Hot Money Ratio 11.19%
Liquidity Ratio 12.47%
Profitability The Citizens National Bank of Bluffton
Bluffton, OH
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5-Year Return on Average Assets 2.27%
Net Income 13.31M
Net Interest Spread 4.32%
Operating Profit to Average Assets 2.42%
Overhead Efficiency Ratio 49.89%
Return on Assets 2.42%
Return on Equity 24.80%