TellerScore

Headquartered in Minerva, Ohio, Consumers National Bank is a national bank with $1.3B in total assets and $1.1B in deposits as of Q2 2026. It operates 23 offices. Its charter dates back to 1965.

Based on its Q2 2026 filing, Consumers National Bank scores 65/100, which we describe as moderate. That is higher than only 36% of 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 101st. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is capital cushion (34/100; 8.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.35%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 82.9% · 33.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.70%

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 2 points (63 → 65), mostly because the funding & liquidity component weakened by 9 points.

TellerScore
636465Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202464
Q1 202564
Q2 202563
Q3 202563
Q4 202564
Q1 202665
Q2 202665
Tier 1 leverage ratio
5.00%6.68%8.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.98%
Q3 20248.05%
Q4 20248.15%
Q1 20258.33%
Q2 20258.23%
Q3 20258.24%
Q4 20258.28%
Q1 20268.37%
Q2 20268.35%
Noncurrent loans
0.06%0.09%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.12%
Q4 20240.11%
Q1 20250.12%
Q2 20250.13%
Q3 20250.12%
Q4 20250.11%
Q1 20260.06%
Q2 20260.07%
Return on assets
0.68%0.81%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.80%
Q4 20240.81%
Q1 20250.68%
Q2 20250.75%
Q3 20250.81%
Q4 20250.84%
Q1 20260.94%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.3B8.35%0.07%0.95%82.9%
Q1 202665$1.2B8.37%0.06%0.94%80.8%
Q4 202564$1.2B8.28%0.11%0.84%79.3%
Q3 202563$1.2B8.24%0.12%0.81%77.3%
Q2 202563$1.2B8.23%0.13%0.75%77.7%
Q1 202564$1.1B8.33%0.12%0.68%74.1%
Q4 202464$1.1B8.15%0.11%0.81%75.7%
Q3 202464$1.1B8.05%0.12%0.80%76.2%
Q2 202464$1.1B7.98%0.11%0.79%77.3%

897 peers · $1 billion – $10 billion

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 ratio8.35%
5th
Total risk-based capital11.93%
31st
Problem loans0.07%
90th
Net charge-offs0.00%
75th
Return on assets0.95%
27th
Net interest margin3.50%
37th
Efficiency ratio67.6%
26th
Loans to deposits82.9%
61st
Uninsured deposits33.0%
44th
Loan-loss reserves0.99%
29th
Texas ratio0.7%
87th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Merchants National BankBank Hillsboro, OH64 out of 100, Moderate$1.3B8.9%0.53%vs
The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH69 out of 100, Moderate$1.3B10.2%0.84%vs
The Richwood Banking CompanyBank Richwood, OH64 out of 100, Moderate$1.3B10.8%1.28%vs
Signature Bank, National AssociationBank Toledo, OH69 out of 100, Moderate$1.3B12.4%0.84%vs
First State BankBank Winchester, OH70 out of 100, Strong$1.2B10.5%0.86%vs
The North Side Bank and Trust CompanyBank Cincinnati, OH74 out of 100, Strong$1.2B11.2%0.10%vs

Deposit insurance

Is my money safe at Consumers National Bank?

Yes. Consumers National Bank is an FDIC-insured institution (FDIC certificate #19482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.0% of deposits ($370.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.93% (benchmark: 10%).

Check how much of your own balance is covered

23 locations

Branches

Consumers National Bank lists 23 offices in 22 cities. Most locations:

  • Canton, OH (2)
  • Adena, OH (1)
  • Alliance, OH (1)
  • Bergholz, OH (1)
  • Brewster, OH (1)
  • Carrollton, OH (1)
  • Dillonvale, OH (1)
  • East Canton, OH (1)
  • East Liverpool, OH (1)
  • Fairlawn, OH (1)
  • Hanoverton, OH (1)
  • Hartville, OH (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Consumers National Bank reported 146 home-loan applications under HMDA (LEI 549300E0P87HTQVFQH08): 126 originated ($53,280,000 total), 10 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Consumers National Bank
Former names
Minerva National Bank
Type
National bank
FDIC certificate #
19482
RSSD ID
477321
Primary regulator
OCC
Holding company
Consumers Bcorp Inc
Established
September 1, 1965
Headquarters
614 E Lincolnway, Minerva, OH 44657
Employees
198

Quick answers

Consumers National Bank: common questions

Is Consumers National Bank FDIC insured?

Yes. Consumers National Bank is an FDIC-insured institution (FDIC certificate #19482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Consumers National Bank's TellerScore?

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

Has Consumers National Bank ever failed?

There is no failure record for FDIC certificate #19482 in the FDIC failed bank list.

How many branches does Consumers National Bank have?

23 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Minerva

InstitutionScoreAssetsCapitalProblem loansCompare
Minerva Area Federal Credit UnionCredit union Minerva, OH93 out of 100, Very strong$17.9M15.1%0.14%vs
Firstenergy Family Credit UnionCredit union Akron, OH93 out of 100, Very strong$47.2M16.5%0.53%vs
The Bank of Magnolia CompanyBank Magnolia, OH89 out of 100, Very strong$107.8M13.0%0.12%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
Harvest Federal Credit UnionCredit union Heath, OH84 out of 100, Strong$43.9M12.8%0.30%vs
Stark Federal Credit UnionCredit union Canton, OH83 out of 100, Strong$217.7M13.3%0.76%vs