TellerScore

Conneaut Savings Bank (FDIC certificate #28677) is based in Conneaut, Ohio. Its Q2 2026 call report shows $76.7M in total assets and $65.3M in deposits and 1 office.

Based on its Q2 2026 filing, Conneaut Savings Bank scores 82/100, which we describe as strong. That is higher than 70% of 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 22nd. Its strongest component is capital cushion (100/100; 15.09%), and its lowest is earnings (43/100; 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.09%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 82.3% · 3.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.05%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (72 → 82), mostly because the earnings component improved by 23 points.

TellerScore
727782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202473
Q1 202573
Q2 202572
Q3 202573
Q4 202575
Q1 202682
Q2 202682
Tier 1 leverage ratio
5.00%10.09%15.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.40%
Q3 202414.65%
Q4 202414.85%
Q1 202514.95%
Q2 202514.88%
Q3 202515.19%
Q4 202515.07%
Q1 202615.10%
Q2 202615.09%
Noncurrent loans
0.35%0.62%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.39%
Q3 20240.39%
Q4 20240.79%
Q1 20250.75%
Q2 20250.88%
Q3 20250.86%
Q4 20250.69%
Q1 20260.35%
Q2 20260.40%
Return on assets
-0.06%0.31%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.00%
Q3 20240.01%
Q4 2024-0.02%
Q1 2025-0.06%
Q2 2025-0.01%
Q3 20250.06%
Q4 20250.12%
Q1 20260.68%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$76.7M15.09%0.40%0.58%82.3%
Q1 202682$76.4M15.10%0.35%0.68%85.0%
Q4 202575$76.1M15.07%0.69%0.12%81.3%
Q3 202573$74.5M15.19%0.86%0.06%81.5%
Q2 202572$75.8M14.88%0.88%-0.01%82.0%
Q1 202573$75.3M14.95%0.75%-0.06%81.1%
Q4 202473$74.8M14.85%0.79%-0.02%81.6%
Q3 202476$76.4M14.65%0.39%0.01%81.1%
Q2 202475$77.4M14.40%0.39%0.00%81.0%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.09%
69th
Total risk-based capital0.00%
27th
Problem loans0.40%
50th
Net charge-offs0.00%
58th
Return on assets0.58%
30th
Net interest margin3.85%
49th
Efficiency ratio81.7%
28th
Loans to deposits82.3%
26th
Uninsured deposits3.5%
96th
Loan-loss reserves0.54%
8th
Texas ratio2.1%
49th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of BlanchesterBank Blanchester, OH77 out of 100, Strong$77.7M10.6%0.15%vs
Galion Building and Loan BankBank Galion, OH67 out of 100, Moderate$78.5M11.2%0.58%vs
The Peoples Savings BankBank New Matamoras, OH71 out of 100, Strong$71.9M13.5%1.58%vs
The Covington Savings and Loan AssociationBank Covington, OH91 out of 100, Very strong$84.0M18.6%0.00%vs
Versailles Savings and Loan CompanyBank Versailles, OH89 out of 100, Very strong$65.6M19.3%0.00%vs
The Peoples BankBank Gambier, OH71 out of 100, Strong$60.4M10.8%0.33%vs

Deposit insurance

Is my money safe at Conneaut Savings Bank?

Yes. Conneaut Savings Bank is an FDIC-insured institution (FDIC certificate #28677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 3.5% of deposits ($2.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Conneaut Savings Bank lists 1 office in 1 city. Most locations:

  • Conneaut, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Conneaut Savings Bank
Former names
Conneaut Savings and Loan Company; The Conneaut Savings and Loan Company
Type
Savings association
FDIC certificate #
28677
RSSD ID
203575
Primary regulator
FDIC
Holding company
Conneaut Bcorp Mhc
Established
January 1, 1888
Headquarters
305 Main St, Conneaut, OH 44030
Employees
16

Quick answers

Conneaut Savings Bank: common questions

Is Conneaut Savings Bank FDIC insured?

Yes. Conneaut Savings Bank is an FDIC-insured institution (FDIC certificate #28677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Conneaut Savings Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Conneaut Savings Bank ever failed?

There is no failure record for FDIC certificate #28677 in the FDIC failed bank list.

How many branches does Conneaut Savings Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Conneaut

InstitutionScoreAssetsCapitalProblem loansCompare
Lakeview Federal Credit UnionCredit union Ashtabula, OH85 out of 100, Very strong$155.1M13.0%0.26%vs
Community First Credit UnionCredit union Ashtabula, OH77 out of 100, Strong$99.8M14.0%1.69%vs
Marquette Savings BankBank Erie, PA73 out of 100, Strong$1.4B13.6%0.66%vs
The Andover BankBank Andover, OH72 out of 100, Strong$595.1M9.6%0.26%vs
Erie Federal Credit UnionCredit union Erie, PA72 out of 100, Strong$808.0M10.6%0.62%vs
Northwest BankBank Warren, PA66 out of 100, Moderate$17.2B9.8%0.69%vs