Side-by-side · Q2 2026 data
The Richwood Banking Company 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 Richwood Banking Company | The First Citizens National Bank of Upper Sandusky |
|---|---|---|
| TellerScore | 64 | 78 (stronger) |
| Capital cushion | 58 | 76 (stronger) |
| Loan quality | 57 | 100 (stronger) |
| Earnings | 70 (stronger) | 39 |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 33rd | 72nd |
| Total assets | $1.3B | $389.9M |
| Deposits / shares | $1.1B | $327.1M |
| Capital ratio | 10.76% | 12.59% (stronger) |
| Problem loans | 1.28% | 0.01% (stronger) |
| Net charge-offs | 0.06% | -0.01% (stronger) |
| Return on assets | 1.26% (stronger) | 0.48% |
| Loans ÷ deposits | 82.7% | 74.2% (stronger) |
| Uninsured deposits | 22.3% | 15.8% (stronger) |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
The First Citizens National Bank of Upper Sandusky has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Richwood Banking Company leads on 1 and The First Citizens National Bank of Upper Sandusky on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.