The Citizens National Bank of McConnelsville is a national bank headquartered in Mcconnelsville, Ohio, in business for about 126 years. At the end of Q2 2026 it reported $102.1M in total assets and $85.2M in deposits, with 2 offices.
The Citizens National Bank of McConnelsville has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 118th. Problem-loan coverage contributes the most (81/100, 9.7%); loan quality contributes the least (45/100, 1.66%).
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 fell 8 points (71 → 63), mostly because the loan quality component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 59 |
| Q4 2024 | 61 |
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 56 |
| Q4 2025 | 56 |
| Q1 2026 | 58 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.75% |
| Q3 2024 | 10.50% |
| Q4 2024 | 10.57% |
| Q1 2025 | 10.94% |
| Q2 2025 | 11.25% |
| Q3 2025 | 11.21% |
| Q4 2025 | 11.45% |
| Q1 2026 | 12.03% |
| Q2 2026 | 12.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.59% |
| Q3 2025 | 2.09% |
| Q4 2025 | 2.09% |
| Q1 2026 | 2.03% |
| Q2 2026 | 1.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.36% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.05% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $102.1M | 12.24% | 1.66% | 0.91% | 83.8% |
| Q1 2026 | 58 | $106.3M | 12.03% | 2.03% | 0.82% | 85.0% |
| Q4 2025 | 56 | $109.1M | 11.45% | 2.09% | 1.05% | 85.7% |
| Q3 2025 | 56 | $109.2M | 11.21% | 2.09% | 1.07% | 82.8% |
| Q2 2025 | 71 | $111.3M | 11.25% | 0.59% | 1.20% | 81.2% |
| Q1 2025 | 71 | $109.9M | 10.94% | 0.71% | 1.38% | 83.6% |
| Q4 2024 | 61 | $110.2M | 10.57% | 0.72% | 0.36% | 84.9% |
| Q3 2024 | 59 | $112.6M | 10.50% | 0.90% | 0.27% | 83.5% |
| Q2 2024 | 60 | $108.5M | 10.75% | 0.80% | 0.23% | 86.8% |
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 |
|---|---|---|---|---|---|
| The Corn City State BankBank Deshler, OH | 77 out of 100, Strong | $104.5M | 10.8% | 0.01% | vs |
| The Sherwood State BankBank Sherwood, OH | 55 out of 100, Moderate | $107.5M | 12.3% | 2.36% | vs |
| The Bank of Magnolia CompanyBank Magnolia, OH | 89 out of 100, Very strong | $107.8M | 13.0% | 0.12% | vs |
| Warsaw Federal Savings and Loan AssociationBank Cincinnati, OH | 53 out of 100, Below average | $108.5M | 12.1% | 1.30% | vs |
| First Mutual Bank, FSBBank Belpre, OH | 63 out of 100, Moderate | $109.9M | 9.6% | 0.55% | vs |
| The Peoples Savings and Loan CompanyBank West Liberty, OH | 63 out of 100, Moderate | $109.9M | 9.0% | 0.14% | vs |
Deposit insurance
Is my money safe at The Citizens National Bank of McConnelsville?
Yes. The Citizens National Bank of McConnelsville is an FDIC-insured institution (FDIC certificate #6638). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.4% of deposits ($15.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.24%, 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%).
2 locations
Branches
The Citizens National Bank of McConnelsville lists 2 offices in 2 cities. Most locations:
- Duncan Falls, OH (1)
- Mcconnelsville, OH (1)
Identity & history
Profile
- Legal name
- The Citizens National Bank of McConnelsville
- Type
- National bank
- FDIC certificate #
- 6638
- RSSD ID
- 685023
- Primary regulator
- OCC
- Holding company
- Cnb Holdings Inc
- Established
- February 1, 1900
- Headquarters
- 100 E Main St, Mcconnelsville, OH 43756
- Website
- www.cnbmoco.com
- Employees
- 25
Quick answers
The Citizens National Bank of McConnelsville: common questions
Is The Citizens National Bank of McConnelsville FDIC insured?
Yes. The Citizens National Bank of McConnelsville is an FDIC-insured institution (FDIC certificate #6638). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens National Bank of McConnelsville's TellerScore?
63 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 The Citizens National Bank of McConnelsville ever failed?
There is no failure record for FDIC certificate #6638 in the FDIC failed bank list.
How many branches does The Citizens National Bank of McConnelsville have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcconnelsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OhioBank Tiffin, OH | 90 out of 100, Very strong | $278.4M | 35.5% | 0.26% | vs |
| The Citizens Bank CompanyBank Beverly, OH | 86 out of 100, Very strong | $334.6M | 13.6% | 0.39% | vs |
| The Waterford Commercial and Savings BankBank Waterford, OH | 83 out of 100, Strong | $60.0M | 13.6% | 0.09% | vs |
| Southeastern Ohio Credit UnionCredit union Cambridge, OH | 78 out of 100, Strong | $65.4M | 12.1% | 1.03% | vs |
| The Hocking Valley BankBank Athens, OH | 77 out of 100, Strong | $354.0M | 11.4% | 0.54% | vs |
| The Community BankBank Zanesville, OH | 74 out of 100, Strong | $680.1M | 10.6% | 0.23% | vs |