Side-by-side · Q2 2026 data
The Mt. Victory State Bank vs The First Citizens National Bank of Upper Sandusky
Bank
The First Citizens National Bank of Upper Sandusky
Upper Sandusky, Ohio · $100 million – $1 billion
Metric by metric
| Measure | The Mt. Victory State Bank | The First Citizens National Bank of Upper Sandusky |
|---|---|---|
| TellerScore | 80 (stronger) | 78 |
| Capital cushion | 54 | 76 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 72 (stronger) | 39 |
| Funding & liquidity | 94 (stronger) | 85 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 66th | 72nd |
| Total assets | $23.4M | $389.9M |
| Deposits / shares | $21.0M | $327.1M |
| Capital ratio | 10.44% | 12.59% (stronger) |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | -0.01% (stronger) | -0.01% |
| Return on assets | 1.31% (stronger) | 0.48% |
| Loans ÷ deposits | 66.4% (stronger) | 74.2% |
| Uninsured deposits | 12.4% (stronger) | 15.8% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Mt. Victory State Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Mt. Victory State Bank leads on 6 and The First Citizens National Bank of Upper Sandusky on 1. 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.