The Citizens National Bank of McConnelsville
Mcconnelsville, OH
IDRSSD: 685023
Total Assets
$109.11M
Latest filing
Total Deposits
$88.11M
Latest filing
Net Interest Margin
4.38%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens National Bank of McConnelsville
100 E Main St
Mcconnelsville, OH 43756
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/01/1900FDIC Certificate 4448
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens National Bank of McConnelsville (Main) | 100 E Main St | Mcconnelsville, OH |
| DUNCAN FALLS BRANCH | 412 Main St | Duncan Falls, OH |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43756 |
| State and County Number | 39115 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cnbmoco.com |
| Data Updated | 01/30/2026 |
| CERT | 6638 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $109.11M |
| Total Deposits | $88.11M |
| Total Liabilities | $97.80M |
| Total Equity Capital | $11.31M |
| Net Income | $270.00k |
| Net Loans and Leases | $75.49M |
| Assets Per Employee ($Millions) | $4.04M |
| Bank Premises and Fixed Assets | $903.00k |
| Cash and Balances due from Depository Institutions | $7.50M |
| Deposits Held in Domestic Offices | $88.11M |
Key Performance Ratios
| Return on Assets (ROA) | 0.99% |
| Return on Equity (ROE) | 9.67% |
| Net Interest Margin | 4.38% |
| Efficiency Ratio | 69.85% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.368% |
| Earning Assets to total Assets | 93.43% |
Income and Expense
| Total Interest Income | $1.54M |
| Total Noninterest Income | $109.00k |
| Total Interest Expense | $423.00k |
| Total Noninterest Expense | $857.00k |
| Net Interest Income | $1.12M |
| Pre-tax Net Operating Income | $320.00k |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $366.00k |
| Other borrowed funds | $8.63M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.05M |
| Total Liabilities and Capital | $109.11M |
Securities
| Securities | $20.59M |
| Available-for-sale debt securities | $20.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $114.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens National Bank of McConnelsville?
$109.11M as of the latest filing.
How much are The Citizens National Bank of McConnelsville's total deposits?
$88.11M in total deposits.
Where is The Citizens National Bank of McConnelsville located?
Mcconnelsville, OH.
What is the Net Interest Margin?
4.38%.
How many domestic offices does it operate?
2.
When was it established?
02/01/1900.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$75.49M (latest filing).
What is the total interest income (latest filing)?
$1.54M.