What is The Citizens National Bank of Woodsfield's financial health grade?

The Citizens National Bank of Woodsfield has a TFS Financial Health Grade of D+ (score: 68.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Citizens National Bank of Woodsfield have?

The Citizens National Bank of Woodsfield has 4 branch locations across the United States.

Is The Citizens National Bank of Woodsfield FDIC insured?

Yes, The Citizens National Bank of Woodsfield is FDIC insured (Certificate #6732).

What are the total assets of The Citizens National Bank of Woodsfield?

The Citizens National Bank of Woodsfield has total assets of $155.2M as reported in its most recent FDIC filing.

The Citizens National Bank of Woodsfield

BankWoodsfield, Ohio

www.cnbwoodsfield.com

Total Assets

$155.2M

Total Deposits

$137.1M

Branches

Established

1933

TFS Health Grade

D+

68.2 / 100

Below average financial health

How we grade

The Citizens National Bank of Woodsfield is a bank headquartered in Woodsfield, Ohio, established in 1933. With $155.2M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D+ (68.2/100).

Capital & Safety

Tier 1 Capital Ratio

8.71%(8%)

Total Capital Ratio

22.90%(10%)

Non-Performing Loan Ratio

0.37%

Profitability

Return on Assets (ROA)

0.82%(1%)

Return on Equity (ROE)

11.89%(10%)

Net Interest Margin

3.17%

Efficiency Ratio

67.26%(60%)

Lending & Liquidity

Total Loans

$63.2M

Loan-to-Deposit Ratio

45.80%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+13.93%

Deposit Growth (YoY)

+7.52%

Net Income

$1.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Citizens National Bank of WoodsfieldHQ	143 S Main St	Woodsfield	OH	11
The Citizens National Bank of Woodsfield	102 Colonel Dr	Barnesville	OH	11
The Citizens National Bank of Woodsfield	209 Broadway Street	Quaker City	OH	11
The Citizens National Bank of Woodsfield	State Route 7	Sardis	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.