The First Citizens National Bank of Upper Sandusky
Upper Sandusky, OH
IDRSSD: 230423
Total Assets
$367.55M
Latest filing
Total Deposits
$307.12M
Latest filing
Net Interest Margin
3.98%
Profitability
Key People
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Locations
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Main Office
The First Citizens National Bank of Upper Sandusky
100 N Sandusky Ave
Upper Sandusky, OH 43351
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/01/1902FDIC Certificate 8970
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First Citizens National Bank of Upper Sandusky (Main) | 100 N Sandusky Ave | Upper Sandusky, OH |
| NEVADA DEPOSIT BRANCH | 301 N Main St | Nevada, OH |
| DUNKIRK BRANCH | 200 N Main St | Dunkirk, OH |
| CAREY BRANCH | 129 E Findlay St | Carey, OH |
| POWELL BRANCH | 9595 Sawmill Pkwy | Powell, OH |
| MARION OFFICE BRANCH | 1240 Delaware Ave | Marion, OH |
| MARION EASTLAWN BRANCH | 125 Eastlawn Dr | Marion, OH |
| DELAWARE BANKING CENTER BRANCH | 33 W William St | Delaware, OH |
Showing 7 of 7
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 | 72 |
| 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 | 01/30/2026 |
| CERT | 14355 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $367.55M |
| Total Deposits | $307.12M |
| Total Liabilities | $324.47M |
| Total Equity Capital | $43.08M |
| Net Income | $206.00k |
| Net Loans and Leases | $222.27M |
| Assets Per Employee ($Millions) | $4.9M |
| Bank Premises and Fixed Assets | $12.87M |
| Cash and Balances due from Depository Institutions | $17.75M |
| Deposits Held in Domestic Offices | $307.12M |
Key Performance Ratios
| Return on Assets (ROA) | 0.22% |
| Return on Equity (ROE) | 1.93% |
| Net Interest Margin | 3.98% |
| Efficiency Ratio | 94.31% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.721% |
| Earning Assets to total Assets | 89.01% |
Income and Expense
| Total Interest Income | $3.95M |
| Total Noninterest Income | $539.00k |
| Total Interest Expense | $689.00k |
| Total Noninterest Expense | $3.58M |
| Net Interest Income | $3.26M |
| Pre-tax Net Operating Income | $191.00k |
| Provision for Credit Losses | $25.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $11.48M |
| All Other Liabilities | $5.88M |
| Total Liabilities and Capital | $367.55M |
Securities
| Securities | $95.96M |
| Available-for-sale debt securities | $95.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$367.55M as of the latest filing.
How much are The First Citizens National Bank of Upper Sandusky's total deposits?
$307.12M in total deposits.
Where is The First Citizens National Bank of Upper Sandusky located?
Upper Sandusky, OH.
What is the Net Interest Margin?
3.98%.
How many domestic offices does it operate?
8.
When was it established?
12/01/1902.
What is the Return on Assets (ROA)?
0.22%.
How much are total loans and leases?
$222.27M (latest filing).
What is the total interest income (latest filing)?
$3.95M.