Headquartered in Osgood, Ohio, Osgood Bank is a state-chartered bank with $485.8M in total assets and $437.3M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1915.
Based on its Q2 2026 filing, Osgood Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 64th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (49/100; 9.86%).
TellerScore · Q2 2026
Scorecard
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 (70 → 72), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 68 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 67 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.51% |
| Q3 2024 | 8.80% |
| Q4 2024 | 8.29% |
| Q1 2025 | 8.72% |
| Q2 2025 | 9.05% |
| Q3 2025 | 9.20% |
| Q4 2025 | 8.97% |
| Q1 2026 | 9.07% |
| Q2 2026 | 9.86% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.73% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.38% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.98% |
| Q3 2024 | 1.02% |
| Q4 2024 | 1.07% |
| Q1 2025 | 1.18% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $485.8M | 9.86% | 0.38% | 1.29% | 68.1% |
| Q1 2026 | 67 | $514.1M | 9.07% | 0.65% | 1.24% | 62.3% |
| Q4 2025 | 65 | $508.5M | 8.97% | 0.73% | 1.15% | 65.2% |
| Q3 2025 | 67 | $499.7M | 9.20% | 0.64% | 1.22% | 68.5% |
| Q2 2025 | 70 | $483.1M | 9.05% | 0.23% | 1.24% | 70.4% |
| Q1 2025 | 70 | $490.9M | 8.72% | 0.00% | 1.18% | 69.6% |
| Q4 2024 | 68 | $491.6M | 8.29% | 0.00% | 1.07% | 69.6% |
| Q3 2024 | 70 | $493.4M | 8.80% | 0.00% | 1.02% | 70.2% |
| Q2 2024 | 70 | $470.3M | 9.51% | 0.20% | 0.98% | 73.8% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ohio State BankBank Bexley, OH | 66 out of 100, Moderate | $484.0M | 11.7% | 1.03% | vs |
| The Farmers Bank and Savings CompanyBank Pomeroy, OH | 61 out of 100, Moderate | $472.0M | 9.2% | 0.97% | vs |
| First National Bank in New BremenBank New Bremen, OH | 78 out of 100, Strong | $467.1M | 10.8% | 0.17% | vs |
| The Savings BankBank Circleville, OH | 64 out of 100, Moderate | $520.1M | 9.4% | 0.22% | vs |
| United Midwest Savings Bank, National AssociationBank Degraff, OH | 71 out of 100, Strong | $523.4M | 12.9% | 1.05% | vs |
| The St. Henry BankBank St. Henry, OH | 92 out of 100, Very strong | $435.6M | 13.6% | 0.10% | vs |
Deposit insurance
Is my money safe at Osgood Bank?
Yes. Osgood Bank is an FDIC-insured institution (FDIC certificate #9137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.2% of deposits ($118.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.23% (benchmark: 10%).
6 locations
Branches
Osgood Bank lists 5 offices in 5 cities. Most locations:
- Chickasaw, OH (1)
- Fort Loramie, OH (1)
- Lakeview, OH (1)
- Osgood, OH (1)
- Russia, OH (1)
Identity & history
Profile
- Legal name
- Osgood Bank
- Former names
- The Osgood State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9137
- RSSD ID
- 313223
- Primary regulator
- FDIC
- Holding company
- Osb Bcorp Inc
- Established
- January 1, 1915
- Headquarters
- 275 W Main St, Osgood, OH 45351
- Website
- www.osgoodbank.com
- Employees
- 65
Quick answers
Osgood Bank: common questions
Is Osgood Bank FDIC insured?
Yes. Osgood Bank is an FDIC-insured institution (FDIC certificate #9137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Osgood Bank's TellerScore?
72 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 Osgood Bank ever failed?
There is no failure record for FDIC certificate #9137 in the FDIC failed bank list.
How many branches does Osgood Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Osgood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| The St. Henry BankBank St. Henry, OH | 92 out of 100, Very strong | $435.6M | 13.6% | 0.10% | vs |
| Members Choice Credit UnionCredit union Greenville, OH | 92 out of 100, Very strong | $38.9M | 17.9% | 0.44% | vs |
| The Covington Savings and Loan AssociationBank Covington, OH | 91 out of 100, Very strong | $84.0M | 18.6% | 0.00% | vs |
| Versailles Savings and Loan CompanyBank Versailles, OH | 89 out of 100, Very strong | $65.6M | 19.3% | 0.00% | vs |
| Greenville National BankBank Greenville, OH | 86 out of 100, Very strong | $641.5M | 13.0% | 0.05% | vs |