The Citizens National Bank of Woodsfield is a national bank headquartered in Woodsfield, Ohio, in business for about 93 years. At the end of Q2 2026 it reported $153.9M in total assets and $141.9M in deposits, with 4 offices.
Based on its Q2 2026 filing, The Citizens National Bank of Woodsfield scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 105th. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is capital cushion (39/100; 8.88%).
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 3 points (68 → 65), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 64 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 66 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.33% |
| Q3 2024 | 8.47% |
| Q4 2024 | 8.61% |
| Q1 2025 | 8.85% |
| Q2 2025 | 8.62% |
| Q3 2025 | 8.91% |
| Q4 2025 | 8.71% |
| Q1 2026 | 8.63% |
| Q2 2026 | 8.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $153.9M | 8.88% | 0.79% | 1.04% | 44.6% |
| Q1 2026 | 66 | $151.7M | 8.63% | 0.42% | 0.90% | 45.4% |
| Q4 2025 | 67 | $155.2M | 8.71% | 0.37% | 0.82% | 45.8% |
| Q3 2025 | 67 | $144.7M | 8.91% | 0.45% | 0.79% | 45.0% |
| Q2 2025 | 68 | $146.5M | 8.62% | 0.19% | 0.78% | 43.5% |
| Q1 2025 | 68 | $142.7M | 8.85% | 0.11% | 0.59% | 44.0% |
| Q4 2024 | 64 | $136.2M | 8.61% | 0.43% | 0.59% | 45.5% |
| Q3 2024 | 67 | $143.1M | 8.47% | 0.12% | 0.60% | 43.6% |
| Q2 2024 | 67 | $142.6M | 8.33% | 0.10% | 0.60% | 44.2% |
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 |
|---|---|---|---|---|---|
| Nationwide Trust Company, FSBBank Columbus, OH | 94 out of 100, Very strong | $153.6M | 36.9% | 0.00% | vs |
| Peoples Savings and Loan CompanyBank Bucyrus, OH | 68 out of 100, Moderate | $157.4M | 20.3% | 2.22% | vs |
| Home Federal Savings and Loan Association of NilesBank Niles, OH | 59 out of 100, Moderate | $159.1M | 10.7% | 0.70% | vs |
| Miami Savings BankBank Miamitown, OH | 83 out of 100, Strong | $148.3M | 23.2% | 0.43% | vs |
| The Antwerp Exchange Bank CompanyBank Antwerp, OH | 62 out of 100, Moderate | $161.3M | 9.7% | 0.70% | vs |
| Monroe Federal Savings and Loan AssociationBank Tipp City, OH | 59 out of 100, Moderate | $144.5M | 9.9% | 0.22% | vs |
Deposit insurance
Is my money safe at The Citizens National Bank of Woodsfield?
Yes. The Citizens National Bank of Woodsfield is an FDIC-insured institution (FDIC certificate #6732). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.3% of deposits ($37.3M) 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 8.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.98% (benchmark: 10%).
4 locations
Branches
The Citizens National Bank of Woodsfield lists 4 offices in 4 cities. Most locations:
- Barnesville, OH (1)
- Quaker City, OH (1)
- Sardis, OH (1)
- Woodsfield, OH (1)
Identity & history
Profile
- Legal name
- The Citizens National Bank of Woodsfield
- Type
- National bank
- FDIC certificate #
- 6732
- RSSD ID
- 386825
- Primary regulator
- OCC
- Holding company
- Cnb Bcorp Inc
- Established
- December 7, 1933
- Headquarters
- 143 S Main St, Woodsfield, OH 43793
- Website
- www.cnbwoodsfield.com
- Employees
- 28
Quick answers
The Citizens National Bank of Woodsfield: common questions
Is The Citizens National Bank of Woodsfield FDIC insured?
Yes. The Citizens National Bank of Woodsfield is an FDIC-insured institution (FDIC certificate #6732). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens National Bank of Woodsfield'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 The Citizens National Bank of Woodsfield ever failed?
There is no failure record for FDIC certificate #6732 in the FDIC failed bank list.
How many branches does The Citizens National Bank of Woodsfield have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Woodsfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Natrium Employees Federal Credit UnionCredit union Proctor, WV | 83 out of 100, Strong | $12.0M | 12.4% | 0.78% | vs |
| Southeastern Ohio Credit UnionCredit union Cambridge, OH | 78 out of 100, Strong | $65.4M | 12.1% | 1.03% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| Citizens Bank of West Virginia, Inc.Bank Elkins, WV | 74 out of 100, Strong | $772.5M | 10.0% | 0.58% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| Ohio Valley Community Federal Credit UnionCredit union Clarington, OH | 72 out of 100, Strong | $243.6M | 13.4% | 1.59% | vs |