The Croghan Colonial Bank (FDIC certificate #13341) is based in Fremont, Ohio. Its Q2 2026 call report shows $1.4B in total assets and $1.1B in deposits and 19 offices.
Based on its Q2 2026 filing, The Croghan Colonial Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 58th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is capital cushion (51/100; 10.13%).
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 2 points (75 → 73), mostly because the capital cushion component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 74 |
| Q2 2025 | 75 |
| Q3 2025 | 74 |
| Q4 2025 | 72 |
| Q1 2026 | 72 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.77% |
| Q3 2024 | 11.30% |
| Q4 2024 | 11.32% |
| Q1 2025 | 11.13% |
| Q2 2025 | 11.16% |
| Q3 2025 | 10.95% |
| Q4 2025 | 10.53% |
| Q1 2026 | 10.28% |
| Q2 2026 | 10.13% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.90% |
| Q1 2025 | 0.90% |
| Q2 2025 | 0.94% |
| Q3 2025 | 1.00% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $1.4B | 10.13% | 0.08% | 1.20% | 80.8% |
| Q1 2026 | 72 | $1.4B | 10.28% | 0.12% | 1.06% | 83.2% |
| Q4 2025 | 72 | $1.3B | 10.53% | 0.08% | 1.01% | 84.3% |
| Q3 2025 | 74 | $1.2B | 10.95% | 0.14% | 1.00% | 77.0% |
| Q2 2025 | 75 | $1.2B | 11.16% | 0.11% | 0.94% | 75.3% |
| Q1 2025 | 74 | $1.2B | 11.13% | 0.10% | 0.90% | 73.2% |
| Q4 2024 | 75 | $1.2B | 11.32% | 0.11% | 0.90% | 76.9% |
| Q3 2024 | 75 | $1.1B | 11.30% | 0.14% | 0.92% | 76.5% |
| Q2 2024 | 76 | $1.1B | 11.77% | 0.17% | 0.95% | 77.8% |
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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| The Union Bank CompanyBank Columbus Grove, OH | 74 out of 100, Strong | $1.4B | 10.8% | 0.12% | vs |
| Signature Bank, National AssociationBank Toledo, OH | 69 out of 100, Moderate | $1.3B | 12.4% | 0.84% | vs |
| The Richwood Banking CompanyBank Richwood, OH | 64 out of 100, Moderate | $1.3B | 10.8% | 1.28% | vs |
| The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH | 69 out of 100, Moderate | $1.3B | 10.2% | 0.84% | vs |
| Consumers National BankBank Minerva, OH | 65 out of 100, Moderate | $1.3B | 8.4% | 0.07% | vs |
Deposit insurance
Is my money safe at The Croghan Colonial Bank?
Yes. The Croghan Colonial Bank is an FDIC-insured institution (FDIC certificate #13341). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.2% of deposits ($275.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.25% (benchmark: 10%).
19 locations
Branches
The Croghan Colonial Bank lists 19 offices in 13 cities. Most locations:
- Fremont, OH (5)
- Port Clinton, OH (2)
- Tiffin, OH (2)
- Bellevue, OH (1)
- Clyde, OH (1)
- Curtice, OH (1)
- Green Springs, OH (1)
- Maumee, OH (1)
- Milan, OH (1)
- Monroeville, OH (1)
- Norwalk, OH (1)
- Oak Harbor, OH (1)
HMDA 2025
Mortgage lending
In 2025, The Croghan Colonial Bank reported 229 home-loan applications under HMDA (LEI 5493004F1BOBD3SG7P54): 162 originated ($46,790,000 total), 19 denied, and 44 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.3%, 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
- The Croghan Colonial Bank
- Former names
- The Croghan Bank and Savings Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 13341
- RSSD ID
- 362717
- Primary regulator
- FED
- Holding company
- Croghan Bancshares Inc
- Established
- July 25, 1888
- Headquarters
- 323 Croghan St, Fremont, OH 43420
- Website
- www.croghan.com
- Employees
- 207
Quick answers
The Croghan Colonial Bank: common questions
Is The Croghan Colonial Bank FDIC insured?
Yes. The Croghan Colonial Bank is an FDIC-insured institution (FDIC certificate #13341). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Croghan Colonial Bank's TellerScore?
73 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 The Croghan Colonial Bank ever failed?
There is no failure record for FDIC certificate #13341 in the FDIC failed bank list.
How many branches does The Croghan Colonial Bank have?
19 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fremont
| 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 |
| Materion Federal Credit UnionCredit union Elmore, OH | 87 out of 100, Very strong | $38.9M | 14.7% | 0.00% | vs |
| Local 50 Plumbers & Steamftrs Federal Credit UnionCredit union Northwood, OH | 80 out of 100, Strong | $11.6M | 15.4% | 1.54% | vs |
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| The Farmers State BankBank New Madison, OH | 75 out of 100, Strong | $329.6M | 10.9% | 0.28% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |