Side-by-side · Q2 2026 data
The First Citizens National Bank of Upper Sandusky vs Hancock Federal Credit Union
Bank
The First Citizens National Bank of Upper Sandusky
Upper Sandusky, Ohio · $100 million – $1 billion
Metric by metric
| Measure | The First Citizens National Bank of Upper Sandusky | Hancock Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 60 |
| Capital cushion | 76 (stronger) | 38 |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 39 (stronger) | 36 |
| Funding & liquidity | 85 (stronger) | 79 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 72nd | 21st |
| Total assets | $389.9M | $118.4M |
| Deposits / shares | $327.1M | $105.8M |
| Capital ratio | 12.59% (stronger) | 8.79% |
| Problem loans | 0.01% (stronger) | 0.58% |
| Net charge-offs | -0.01% (stronger) | 0.08% |
| Return on assets | 0.48% (stronger) | 0.39% |
| Loans ÷ deposits | 74.2% (stronger) | 80.8% |
| Uninsured deposits | 15.8% | 2.1% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Citizens National Bank of Upper Sandusky has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The First Citizens National Bank of Upper Sandusky leads on 6 and Hancock Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.