TellerScore

The Sherwood State Bank is a state-chartered bank headquartered in Sherwood, Ohio, in business for about 81 years. At the end of Q2 2026 it reported $107.5M in total assets and $89.8M in deposits, with 4 offices.

The Sherwood State Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 145th. Capital cushion contributes the most (73/100, 12.32%); loan quality contributes the least (21/100, 2.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.32%
Loan quality21/100
Noncurrent loans ÷ total loans: 2.36%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 88.4% · 11.4% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.92%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (55 → 55).

TellerScore
465155Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202446
Q4 202449
Q1 202549
Q2 202555
Q3 202554
Q4 202554
Q1 202652
Q2 202655
Tier 1 leverage ratio
5.00%8.78%12.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.57%
Q3 202412.51%
Q4 202411.97%
Q1 202512.03%
Q2 202512.34%
Q3 202512.28%
Q4 202512.27%
Q1 202612.27%
Q2 202612.32%
Noncurrent loans
2.30%2.72%3.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.14%
Q3 20242.94%
Q4 20242.76%
Q1 20252.72%
Q2 20252.30%
Q3 20252.45%
Q4 20252.37%
Q1 20262.62%
Q2 20262.36%
Return on assets
0.27%0.53%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.29%
Q4 20240.41%
Q1 20250.48%
Q2 20250.73%
Q3 20250.70%
Q4 20250.68%
Q1 20260.70%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$107.5M12.32%2.36%0.78%88.4%
Q1 202652$106.0M12.27%2.62%0.70%89.7%
Q4 202554$105.0M12.27%2.37%0.68%89.9%
Q3 202554$104.3M12.28%2.45%0.70%90.4%
Q2 202555$103.0M12.34%2.30%0.73%89.9%
Q1 202549$102.7M12.03%2.72%0.48%88.3%
Q4 202449$106.9M11.97%2.76%0.41%81.6%
Q3 202446$99.0M12.51%2.94%0.29%90.1%
Q2 202446$97.5M12.57%3.14%0.27%88.4%

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).

Capital ratio12.32%
68th
Total risk-based capital0.00%
24th
Problem loans2.36%
9th
Net charge-offs-0.01%
85th
Return on assets0.78%
22nd
Net interest margin4.61%
83rd
Efficiency ratio78.7%
15th
Loans to deposits88.4%
30th
Uninsured deposits11.4%
91st
Loan-loss reserves1.22%
54th
Texas ratio13.9%
11th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Magnolia CompanyBank Magnolia, OH89 out of 100, Very strong$107.8M13.0%0.12%vs
Warsaw Federal Savings and Loan AssociationBank Cincinnati, OH53 out of 100, Below average$108.5M12.1%1.30%vs
First Mutual Bank, FSBBank Belpre, OH63 out of 100, Moderate$109.9M9.6%0.55%vs
The Peoples Savings and Loan CompanyBank West Liberty, OH63 out of 100, Moderate$109.9M9.0%0.14%vs
The Corn City State BankBank Deshler, OH77 out of 100, Strong$104.5M10.8%0.01%vs
The Citizens National Bank of McConnelsvilleBank Mcconnelsville, OH63 out of 100, Moderate$102.1M12.2%1.66%vs

Deposit insurance

Is my money safe at The Sherwood State Bank?

Yes. The Sherwood State Bank is an FDIC-insured institution (FDIC certificate #16222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.4% of deposits ($10.2M) 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 12.32%, 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%).

Check how much of your own balance is covered

4 locations

Branches

The Sherwood State Bank lists 4 offices in 4 cities. Most locations:

  • Archbold, OH (1)
  • Defiance, OH (1)
  • Fayette, OH (1)
  • Sherwood, OH (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Sherwood State Bank reported 53 home-loan applications under HMDA (LEI 549300PUSHGXQLDM7552): 45 originated ($7,235,000 total), 2 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, 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 Sherwood State Bank
Type
State-chartered bank
FDIC certificate #
16222
RSSD ID
546320
Primary regulator
FDIC
Holding company
Sherwood Banc Corp
Established
January 8, 1945
Headquarters
105 N Harrison St, Sherwood, OH 43556
Employees
28

Quick answers

The Sherwood State Bank: common questions

Is The Sherwood State Bank FDIC insured?

Yes. The Sherwood State Bank is an FDIC-insured institution (FDIC certificate #16222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Sherwood State Bank's TellerScore?

55 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 Sherwood State Bank ever failed?

There is no failure record for FDIC certificate #16222 in the FDIC failed bank list.

How many branches does The Sherwood State Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sherwood

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs
The Fort Jennings State BankBank Fort Jennings, OH75 out of 100, Strong$285.8M12.7%1.09%vs
The Union Bank CompanyBank Columbus Grove, OH74 out of 100, Strong$1.4B10.8%0.12%vs
Christo Rey Federal Credit UnionCredit union Ney, OH71 out of 100, Strong$3.6M8.9%0.00%vs