Side-by-side · Q2 2026 data
The First Citizens National Bank of Upper Sandusky vs Usx 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 | Usx Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 76 (stronger) | 75 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 39 (stronger) | 37 |
| Funding & liquidity | 85 | 96 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 72nd | 74th |
| Total assets | $389.9M | $258.1M |
| Deposits / shares | $327.1M | $225.9M |
| Capital ratio | 12.59% (stronger) | 12.54% |
| Problem loans | 0.01% (stronger) | 0.18% |
| Net charge-offs | -0.01% (stronger) | 0.27% |
| Return on assets | 0.48% (stronger) | 0.43% |
| Loans ÷ deposits | 74.2% | 63.8% (stronger) |
| Uninsured deposits | 15.8% | 2.9% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First Citizens National Bank of Upper Sandusky leads on 4 and Usx Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.