C
The Citizens National Bank of Woodsfield
Rating Date
March 2026
Risk Based
Capital Ratio
22.90
Leverage
Ratio
8.71
Return On
Assets
0.80%
Total
Assets
155.17M
Capital
11.22M
Total
Deposits
137.15M
Net
Income
1.19M
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Weiss Ratings The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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Rating C
Asset Quality Index 9.00
Capitalization Index 6.70
Liquidity Index 5.30
Profitability Index 4.00
Stability Index 2.50
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 13.93%
5-Year Asset Growth 1.39%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 1.72%
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 155.17M
Total Deposits 137.15M
Capital and Reserves The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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Capital 11.22M
Leverage Ratio 8.71
Loan Loss Reserves to Loans 0.64%
Risk-Based Capital Ratio 22.90
Liquidity The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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Hot Money Ratio 2.22%
Liquidity Ratio 51.81%
Profitability The Citizens National Bank of Woodsfield
Woodsfield, OH 		Click to
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5-Year Return on Average Assets 0.54%
Net Income 1.19M
Net Interest Spread 3.09%
Operating Profit to Average Assets 0.98%
Overhead Efficiency Ratio 67.26%
Return on Assets 0.80%
Return on Equity 11.82%