Side-by-side · Q2 2026 data
North Valley Bank 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 | North Valley Bank | The First Citizens National Bank of Upper Sandusky |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 51 | 76 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 62 (stronger) | 39 |
| Funding & liquidity | 62 | 85 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 29th | 72nd |
| Total assets | $426.9M | $389.9M |
| Deposits / shares | $374.9M | $327.1M |
| Capital ratio | 10.05% | 12.59% (stronger) |
| Problem loans | 0.68% | 0.01% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 1.04% (stronger) | 0.48% |
| Loans ÷ deposits | 86.4% | 74.2% (stronger) |
| Uninsured deposits | 26.0% | 15.8% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.9% | — |
The First Citizens National Bank of Upper Sandusky has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), North Valley Bank leads on 1 and The First Citizens National Bank of Upper Sandusky on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.