Consumers National Bank
Minerva, OH
IDRSSD: 477321
Total Assets
$1.19B
Latest filing
Total Deposits
$1.07B
Latest filing
Net Interest Margin
3.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Consumers National Bank
614 E Lincolnway
Minerva, OH 44657
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/01/1965FDIC Certificate 13282
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Consumers National Bank (Main) | 614 E Lincolnway | Minerva, OH |
| ADENA BRANCH | 9 E Main St | Adena, OH |
| DILLONVALE BRANCH | 44 Smithfield St | Dillonvale, OH |
| HANOVERTON BRANCH | 30034 Canal St | Hanoverton, OH |
| LISBON BRANCH | 7895 Dickey Dr | Lisbon, OH |
| SALEM BRANCH | 141 S Ellsworth Ave | Salem, OH |
| WAYNESBURG BRANCH | 8607 Waynesburg Dr Se | Waynesburg, OH |
| CARROLLTON BRANCH | 1017 Canton Rd Nw | Carrollton, OH |
Showing 7 of 21
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 | 09/01/1965 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 44657 |
| State and County Number | 39151 |
| 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 | Canton-Massillon, OH |
Operational Info
| Number of Employees | 187 |
| Domestic Offices | 22 |
| 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 | 09/01/1965 |
| Primary Insurance Agency | DIF |
| Website | www.consumers.bank |
| Data Updated | 11/14/2025 |
| CERT | 19482 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.19B |
| Total Deposits | $1.07B |
| Total Liabilities | $1.11B |
| Total Equity Capital | $81.65M |
| Net Income | $2.71M |
| Net Loans and Leases | $826.66M |
| Assets Per Employee ($Millions) | $6.32M |
| Bank Premises and Fixed Assets | $18.90M |
| Cash and Balances due from Depository Institutions | $26.68M |
| Deposits Held in Domestic Offices | $1.07B |
Key Performance Ratios
| Return on Assets (ROA) | 0.92% |
| Return on Equity (ROE) | 13.78% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 68.18% |
| Tier 1 Risk-Based Capital Ratio | 11.024% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.877% |
| Earning Assets to total Assets | 93.46% |
Income and Expense
| Total Interest Income | $14.38M |
| Total Noninterest Income | $1.47M |
| Total Interest Expense | $4.84M |
| Total Noninterest Expense | $7.52M |
| Net Interest Income | $9.54M |
| Pre-tax Net Operating Income | $3.20M |
| Provision for Credit Losses | $285.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.93M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $19.40M |
| All Other Liabilities | $11.58M |
| Total Liabilities and Capital | $1.19B |
Securities
| Securities | $273.96M |
| Available-for-sale debt securities | $268.90M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.06M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Consumers National Bank?
$1.19B as of the latest filing.
How much are Consumers National Bank's total deposits?
$1.07B in total deposits.
Where is Consumers National Bank located?
Minerva, OH.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
22.
When was it established?
09/01/1965.
What is the Return on Assets (ROA)?
0.92%.
How much are total loans and leases?
$826.66M (latest filing).
What is the total interest income (latest filing)?
$14.38M.