Side-by-side · Q2 2026 data
The First Citizens National Bank of Upper Sandusky vs Millstream Area 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 | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 76 | 76 |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 39 | 77 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 72nd | 70th |
| Total assets | $389.9M | $70.8M |
| Deposits / shares | $327.1M | $61.3M |
| Capital ratio | 12.59% | 12.64% (stronger) |
| Problem loans | 0.01% (stronger) | 0.66% |
| Net charge-offs | -0.01% (stronger) | 0.38% |
| Return on assets | 0.48% | 1.41% (stronger) |
| Loans ÷ deposits | 74.2% | 55.9% (stronger) |
| Uninsured deposits | 15.8% | 0.0% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Millstream Area Credit Union has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First Citizens National Bank of Upper Sandusky leads on 2 and Millstream Area Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.