The First Citizens National Bank of Upper Sandusky
Upper Sandusky, OH
IDRSSD: 230423
Total Assets
$367.87M
Latest filing
Total Deposits
$312.28M
Latest filing
Net Interest Margin
3.75%
Profitability
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 | 12/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43351 |
| State and County Number | 39175 |
| 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 | 74 |
| Domestic Offices | 8 |
| 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 | 05/11/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.firstcitizensnational.com |
| Data Updated | 11/14/2025 |
| CERT | 14355 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $367.87M |
| Total Deposits | $312.28M |
| Total Liabilities | $325.34M |
| Total Equity Capital | $42.53M |
| Net Income | $749.00k |
| Net Loans and Leases | $210.04M |
| Assets Per Employee ($Millions) | $5.11M |
| Bank Premises and Fixed Assets | $12.44M |
| Cash and Balances due from Depository Institutions | $28.12M |
| Deposits Held in Domestic Offices | $312.28M |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 7.18% |
| Net Interest Margin | 3.75% |
| Efficiency Ratio | 78.65% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.561% |
| Earning Assets to total Assets | 89.41% |
Income and Expense
| Total Interest Income | $3.84M |
| Total Noninterest Income | $498.00k |
| Total Interest Expense | $768.00k |
| Total Noninterest Expense | $2.81M |
| Net Interest Income | $3.08M |
| Pre-tax Net Operating Income | $892.00k |
| Provision for Credit Losses | $-129,000 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $7.86M |
| All Other Liabilities | $5.20M |
| Total Liabilities and Capital | $367.87M |
Securities
| Securities | $98.47M |
| Available-for-sale debt securities | $98.41M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First Citizens National Bank of Upper Sandusky?
$367.87M as of the latest filing.
How much are The First Citizens National Bank of Upper Sandusky's total deposits?
$312.28M in total deposits.
Where is The First Citizens National Bank of Upper Sandusky located?
Upper Sandusky, OH.
What is the Net Interest Margin?
3.75%.
How many domestic offices does it operate?
8.
When was it established?
12/01/1902.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$210.04M (latest filing).
What is the total interest income (latest filing)?
$3.84M.