B
The Citizens National Bank of Woodsfield
Rating Date
August 2026
Risk Based
Capital Ratio
23.98
Leverage
Ratio
8.88
Return On
Assets
1.02%
Total
Assets
153.93M
Capital
11.72M
Total
Deposits
141.93M
Net
Income
797.00K
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Weiss Ratings The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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Rating B
Asset Quality Index 8.40
Capitalization Index 6.90
Liquidity Index 5.10
Profitability Index 4.40
Stability Index 3.10
Company Info The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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FDIC Number 6732
Phone Number (740) 472-1696
Website www.cnbwoodsfield.com
Asset Quality The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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1-Year Asset Growth 5.08%
5-Year Asset Growth 1.39%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 3.51%
Non-Performing Loans to Loans 0.00%
Balance Sheet The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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Total Assets 153.93M
Total Deposits 141.93M
Capital and Reserves The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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Capital 11.72M
Leverage Ratio 8.88
Loan Loss Reserves to Loans 0.64%
Risk-Based Capital Ratio 23.98
Liquidity The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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Hot Money Ratio 2.55%
Liquidity Ratio 51.27%
Profitability The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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5-Year Return on Average Assets 0.59%
Net Income 797.00K
Net Interest Spread 3.46%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 63.13%
Return on Assets 1.02%
Return on Equity 13.84%