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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bexley, OH · FDIC certificate #59144
OHIO STATE BANK is an FDIC-insured institution based in Bexley, OH (FDIC certificate #59144). In its Q3 2026 Call Report it reported total assets of $500M, total deposits of $431M and net loans of $438M. Its primary federal regulator is FDIC.
Plain-language readout
OHIO STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $500M in Q3 2026 and were lowest at $481M in Q1 2026.
Total deposits were highest at $431M in Q3 2026 and lowest at $404M in Q1 2026.
Over the whole period total assets rose 4.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $500M | $431M | $438M | 1.03% | 9.37% | 2.47% |
| Q2 2026 | $484M | $405M | $425M | 1.02% | 9.32% | 2.43% |
| Q1 2026 | $481M | $404M | $420M | 1.04% | 9.64% | 2.38% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $27.6M | $26.7M | +$824K | +3.1% |
| Federal funds sold | $14.5M | $17.2M | -$2.7M | -15.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $8.4M | $8.6M | -$242K | -2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $425.2M | $420.4M | +$4.8M | +1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $3.2M | -$122K | -3.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $33K | $36K | -$3K | -8.3% |
| All other assets | $5.2M | $4.9M | +$249K | +5.1% |
| Total assets | $484.0M | $481.1M | +$2.9M | +0.6% |
| Liabilities | ||||
| Total deposits | $405.4M | $403.6M | +$1.8M | +0.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $20.0M | $20.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.3M | $4.7M | -$451K | -9.6% |
| Total liabilities | $429.6M | $428.3M | +$1.3M | +0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $48.6M | $48.4M | +$240K | +0.5% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $7.8M | $6.6M | +$1.2M | +18.2% |
| Accumulated other comprehensive income | -$472K | -$530K | +$58K | +10.9% |
| Other equity components | -$1.6M | -$1.7M | +$52K | +3.1% |
| Total equity capital | $54.3M | $52.8M | +$1.6M | +2.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.4M | $1.9M | +$2.5M | +130.0% |
| Adjusted nonperforming assets | $4.4M | $1.9M | +$2.5M | +130.0% |
| Tangible equity plus allowance | $58.8M | $57.3M | +$1.6M | +2.8% |
| Texas ratio (gross) | 7.49% | 3.34% | +4.14 pts | See points |
| Texas ratio (adjusted) | 7.49% | 3.34% | +4.14 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 3.34% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.69% | 11.23% | +0.46 pts | See points |
| Construction and land loans to total capital | 107.18% | 102.41% | +4.77 pts | See points |
| Commercial real estate to total capital | 426.02% | 434.39% | -8.38 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.09% | -1.26% | +0.17 pts | See points |
| Liquidity | ||||
| Core deposits | $260.3M | $247.0M | +$13.3M | +5.4% |
| Non-core funding | $165.1M | $176.6M | -$11.5M | -6.5% |
| Loans to core deposits | 165.12% | 172.03% | -6.91 pts | See points |
| Loans to deposits | 106.01% | 105.27% | +0.74 pts | See points |
| Brokered deposits share of deposits | 24.13% | 27.83% | -3.69 pts | See points |
| Pledged securities share of securities | 85.54% | 86.28% | -0.74 pts | See points |
| Loans pledged, share of loans | 66.98% | 71.54% | -4.56 pts | See points |
| Volatile liabilities | $165.1M | $176.6M | -$11.5M | -6.5% |
| Earnings | ||||
| Earnings before provision, year to date | $2.8M | $1.3M | +$1.5M | +116.5% |
| Earnings before provision, single quarter | $1.5M | $1.3M | +$216K | +16.5% |
| Provision for credit losses, year to date | -$283K | -$280K | -$3K | -1.1% |
| Yield and cost | ||||
| Yield on loans and leases | 5.53% | 5.45% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.25% | 3.40% | -0.16 pts | See points |
| Total interest income to average assets | 5.32% | 5.24% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 3.05% | 2.98% | +0.07 pts | See points |
| Cost of savings and money market deposits | 2.71% | 2.79% | -0.09 pts | See points |
| Cost of time deposits | 3.99% | 4.06% | -0.07 pts | See points |
| Total interest expense to average assets | 2.81% | 2.86% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $500M | $431M | $438M | 1.03% | 9.37% | 2.47% |
| 2026-06-30 | $484M | $405M | $425M | 1.02% | 9.32% | 2.43% |
| 2026-03-31 | $481M | $404M | $420M | 1.04% | 9.64% | 2.38% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $382.9M | 0.07% | 71 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.