Osgood Bank
Osgood, OH
IDRSSD: 313223
Total Assets
$508.52M
Latest filing
Total Deposits
$448.27M
Latest filing
Net Interest Margin
3.82%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042212568OSGOOD, OH
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Osgood Bank
275 W Main St
Osgood, OH 45351
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1915FDIC Certificate 5851
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Osgood Bank (Main) | 275 W Main St | Osgood, OH |
| FORT LORAMIE BRANCH | 500 E Park St | Fort Loramie, OH |
| CHICKASAW BRANCH | 79 W Franklin St | Chickasaw, OH |
| INDIAN LAKE BRANCH | 165 East Lake Street | Lakeview, OH |
| MESSENGER SERVICE | 275 W Main St | Osgood, OH |
| RUSSIA BRANCH | 207 W Main St | Russia, OH |
Showing 5 of 5
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1915 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45351 |
| State and County Number | 39037 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Greenville, OH |
Operational Info
| Number of Employees | 63 |
| Domestic Offices | 6 |
| 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.osgoodbank.com |
| Data Updated | 01/30/2026 |
| CERT | 9137 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $508.52M |
| Total Deposits | $448.27M |
| Total Liabilities | $469.29M |
| Total Equity Capital | $39.23M |
| Net Income | $1.16M |
| Net Loans and Leases | $292.16M |
| Assets Per Employee ($Millions) | $8.48M |
| Bank Premises and Fixed Assets | $6.08M |
| Cash and Balances due from Depository Institutions | $55.14M |
| Deposits Held in Domestic Offices | $448.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.92% |
| Return on Equity (ROE) | 11.84% |
| Net Interest Margin | 3.82% |
| Efficiency Ratio | 60.02% |
| Tier 1 Risk-Based Capital Ratio | 12.319% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.48% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.715% |
| Earning Assets to total Assets | 93.05% |
Income and Expense
| Total Interest Income | $6.83M |
| Total Noninterest Income | $443.00k |
| Total Interest Expense | $2.35M |
| Total Noninterest Expense | $2.95M |
| Net Interest Income | $4.48M |
| Pre-tax Net Operating Income | $1.37M |
| Provision for Credit Losses | $600.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.78M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.84M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.24M |
| Total Liabilities and Capital | $508.52M |
Securities
| Securities | $127.62M |
| Available-for-sale debt securities | $75.09M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $51.59M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Osgood Bank?
$508.52M as of the latest filing.
How much are Osgood Bank's total deposits?
$448.27M in total deposits.
Where is Osgood Bank located?
Osgood, OH.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1915.
What is the Return on Assets (ROA)?
0.92%.
How much are total loans and leases?
$292.16M (latest filing).
What is the total interest income (latest filing)?
$6.83M.