Osgood Bank
Osgood, OH
IDRSSD: 313223
Total Assets
$499.73M
Latest filing
Total Deposits
$439.50M
Latest filing
Net Interest Margin
3.73%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 64 |
| 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 | 11/14/2025 |
| CERT | 9137 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $499.73M |
| Total Deposits | $439.50M |
| Total Liabilities | $460.55M |
| Total Equity Capital | $39.17M |
| Net Income | $1.50M |
| Net Loans and Leases | $301.07M |
| Assets Per Employee ($Millions) | $7.93M |
| Bank Premises and Fixed Assets | $6.20M |
| Cash and Balances due from Depository Institutions | $25.84M |
| Deposits Held in Domestic Offices | $439.50M |
Key Performance Ratios
| Return on Assets (ROA) | 1.22% |
| Return on Equity (ROE) | 15.64% |
| Net Interest Margin | 3.73% |
| Efficiency Ratio | 60.14% |
| Tier 1 Risk-Based Capital Ratio | 12.079% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.839% |
| Earning Assets to total Assets | 92.95% |
Income and Expense
| Total Interest Income | $6.58M |
| Total Noninterest Income | $469.00k |
| Total Interest Expense | $2.33M |
| Total Noninterest Expense | $2.84M |
| Net Interest Income | $4.25M |
| Pre-tax Net Operating Income | $1.80M |
| Provision for Credit Losses | $75.00k |
| 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 | $15.83M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.71M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.22M |
| Total Liabilities and Capital | $499.73M |
Securities
| Securities | $136.99M |
| Available-for-sale debt securities | $84.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $52.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Osgood Bank?
$499.73M as of the latest filing.
How much are Osgood Bank's total deposits?
$439.50M in total deposits.
Where is Osgood Bank located?
Osgood, OH.
What is the Net Interest Margin?
3.73%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1915.
What is the Return on Assets (ROA)?
1.22%.
How much are total loans and leases?
$301.07M (latest filing).
What is the total interest income (latest filing)?
$6.58M.