Side-by-side · Q2 2026 data
First Bank of Ohio vs The First Citizens National Bank of Upper Sandusky
Bank
The First Citizens National Bank of Upper Sandusky
Upper Sandusky, Ohio · $100 million – $1 billion
Metric by metric
| Measure | First Bank of Ohio | The First Citizens National Bank of Upper Sandusky |
|---|---|---|
| TellerScore | 90 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 98 (stronger) | 39 |
| Funding & liquidity | 50 | 85 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 95th | 72nd |
| Total assets | $278.4M | $389.9M |
| Deposits / shares | $176.2M | $327.1M |
| Capital ratio | 35.51% (stronger) | 12.59% |
| Problem loans | 0.26% | 0.01% (stronger) |
| Net charge-offs | 1.43% | -0.01% (stronger) |
| Return on assets | 1.96% (stronger) | 0.48% |
| Loans ÷ deposits | 107.4% | 74.2% (stronger) |
| Uninsured deposits | 17.3% | 15.8% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank of Ohio has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Ohio leads on 3 and The First Citizens National Bank of Upper Sandusky on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.