B
The Citizens National Bank of Bluffton
Rating Date
March 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 6.60
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 1.08%
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 0.54%
Non-Performing Loans to Capital 4.06%
Non-Performing Loans to Loans 0.66%
Balance Sheet The Citizens National Bank of Bluffton
Bluffton, OH
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Total Assets 1.08B
Total Deposits 794.30M
Capital and Reserves The Citizens National Bank of Bluffton
Bluffton, OH
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Capital 108.32M
Leverage Ratio 11.43
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio --
Liquidity The Citizens National Bank of Bluffton
Bluffton, OH
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Hot Money Ratio 13.97%
Liquidity Ratio 7.83%
Profitability The Citizens National Bank of Bluffton
Bluffton, OH
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5-Year Return on Average Assets 2.21%
Net Income 25.86M
Net Interest Spread 4.24%
Operating Profit to Average Assets 2.40%
Overhead Efficiency Ratio 48.07%
Return on Assets 2.40%
Return on Equity 25.36%