Side-by-side · Q2 2026 data
The First Citizens National Bank of Upper Sandusky vs The Hocking Valley Bank
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 | The Hocking Valley Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 76 (stronger) | 64 |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 39 | 75 (stronger) |
| Funding & liquidity | 85 | 85 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 72nd | 68th |
| Total assets | $389.9M | $354.0M |
| Deposits / shares | $327.1M | $312.0M |
| Capital ratio | 12.59% (stronger) | 11.44% |
| Problem loans | 0.01% (stronger) | 0.54% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.48% | 1.37% (stronger) |
| Loans ÷ deposits | 74.2% | 65.6% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 23.3% |
| Offices | 8 | 5 |
| 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 77). On the 7 directional measures above (where higher or lower is clearly better), The First Citizens National Bank of Upper Sandusky leads on 5 and The Hocking Valley Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.