Side-by-side · Q2 2026 data
The First Citizens National Bank of Upper Sandusky vs The Home Loan Savings 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 Home Loan Savings Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 76 (stronger) | 67 |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 47 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 72nd | 68th |
| Total assets | $389.9M | $386.7M |
| Deposits / shares | $327.1M | $320.6M |
| Capital ratio | 12.59% (stronger) | 11.68% |
| Problem loans | 0.01% (stronger) | 0.58% |
| Net charge-offs | -0.01% (stronger) | 0.09% |
| Return on assets | 0.48% | 2.45% (stronger) |
| Loans ÷ deposits | 74.2% (stronger) | 108.7% |
| Uninsured deposits | 15.8% (stronger) | 19.3% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.7% |
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 6 and The Home Loan Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.