Side-by-side · Q2 2026 data
The St. Henry 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 St. Henry Bank | The First Citizens National Bank of Upper Sandusky |
|---|---|---|
| TellerScore | 92 (stronger) | 78 |
| Capital cushion | 86 (stronger) | 76 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 77 | 85 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 97th | 72nd |
| Total assets | $435.6M | $389.9M |
| Deposits / shares | $384.5M | $327.1M |
| Capital ratio | 13.61% (stronger) | 12.59% |
| Problem loans | 0.10% | 0.01% (stronger) |
| Net charge-offs | -0.16% (stronger) | -0.01% |
| Return on assets | 2.57% (stronger) | 0.48% |
| Loans ÷ deposits | 63.6% (stronger) | 74.2% |
| Uninsured deposits | 32.3% | 15.8% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The St. Henry Bank has the higher TellerScore (92 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The St. Henry Bank leads on 5 and The First Citizens National Bank of Upper Sandusky on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.