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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Osgood, OH · FDIC certificate #9137
OSGOOD BANK is an FDIC-insured institution based in Osgood, OH (FDIC certificate #9137). In its Q3 2026 Call Report it reported total assets of $482M, total deposits of $424M and net loans of $315M. Its primary federal regulator is FDIC.
Plain-language readout
OSGOOD BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $514M in Q1 2026 and were lowest at $482M in Q3 2026.
Total deposits were highest at $453M in Q1 2026 and lowest at $424M in Q3 2026.
Over the whole period total assets fell 6.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $482M | $424M | $315M | 1.32% | 15.69% | 3.90% |
| Q2 2026 | $486M | $437M | $298M | 1.29% | 15.83% | 3.74% |
| Q1 2026 | $514M | $453M | $282M | 1.24% | 15.82% | 3.54% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $36.1M | $80.2M | -$44.1M | -55.0% |
| Federal funds sold | $0K | $2.6M | -$2.6M | -100.0% |
| 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) | $119.4M | $117.4M | +$2.0M | +1.7% |
| Equity securities with readily determinable fair values, not held for trading | $1.1M | $944K | +$115K | +12.2% |
| Loans and leases held for sale | $840K | $468K | +$372K | +79.5% |
| Net loans and leases (after allowance) | $297.1M | $281.5M | +$15.6M | +5.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.9M | $6.0M | -$93K | -1.5% |
| 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) | $4.1M | $4.1M | -$25K | -0.6% |
| All other assets | $21.3M | $20.8M | +$522K | +2.5% |
| Total assets | $485.8M | $514.1M | -$28.3M | -5.5% |
| Liabilities | ||||
| Total deposits | $437.3M | $452.5M | -$15.2M | -3.4% |
| Federal funds purchased | $246K | $0K | +$246K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $655K | $15.7M | -$15.1M | -95.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.7M | $4.9M | -$178K | -3.6% |
| Total liabilities | $443.0M | $473.2M | -$30.2M | -6.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $7.2M | $7.0M | +$199K | +2.9% |
| Retained earnings | $42.9M | $41.1M | +$1.7M | +4.2% |
| Accumulated other comprehensive income | -$8.2M | -$8.2M | -$46K | -0.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $42.8M | $40.9M | +$1.9M | +4.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $1.9M | -$699K | -37.6% |
| Adjusted nonperforming assets | $1.2M | $1.9M | -$699K | -37.6% |
| Tangible equity plus allowance | $44.2M | $42.8M | +$1.4M | +3.3% |
| Texas ratio (gross) | 2.62% | 4.34% | -1.72 pts | See points |
| Texas ratio (adjusted) | 2.62% | 4.34% | -1.72 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.53% | 5.29% | -1.76 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.98% | 12.89% | +0.09 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.98% | 12.89% | +0.09 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.23% | 14.14% | +0.09 pts | See points |
| Tier 1 leverage (approximate) | 9.86% | 9.07% | +0.79 pts | See points |
| Construction and land loans to total capital | 18.03% | 12.10% | +5.93 pts | See points |
| Commercial real estate to total capital | 50.13% | 46.57% | +3.56 pts | See points |
| Dividend payout, year to date | 2.65% | 5.43% | -2.77 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.64% | -4.73% | +0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $395.9M | $405.5M | -$9.6M | -2.4% |
| Non-core funding | $42.4M | $62.8M | -$20.4M | -32.5% |
| Loans to core deposits | 76.45% | 70.92% | +5.53 pts | See points |
| Loans to deposits | 69.20% | 63.54% | +5.65 pts | See points |
| Brokered deposits share of deposits | 1.14% | 1.10% | +0.04 pts | See points |
| Pledged securities share of securities | 81.01% | 82.48% | -1.47 pts | See points |
| Loans pledged, share of loans | 32.06% | 41.25% | -9.20 pts | See points |
| Volatile liabilities | $42.4M | $62.8M | -$20.4M | -32.5% |
| Earnings | ||||
| Earnings before provision, year to date | $3.8M | $1.9M | +$1.9M | +98.2% |
| Earnings before provision, single quarter | $1.9M | $1.9M | -$34K | -1.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.95% | 6.65% | +0.30 pts | See points |
| Yield on interest-bearing balances due from banks | 3.72% | 3.61% | +0.11 pts | See points |
| Total interest income to average assets | 5.34% | 5.07% | +0.27 pts | See points |
| Cost of interest-bearing transaction accounts | 0.78% | 0.48% | +0.30 pts | See points |
| Cost of savings and money market deposits | 1.88% | 1.98% | -0.09 pts | See points |
| Cost of time deposits | 3.15% | 3.40% | -0.25 pts | See points |
| Total interest expense to average assets | 1.67% | 1.80% | -0.13 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 | $482M | $424M | $315M | 1.32% | 15.69% | 3.90% |
| 2026-06-30 | $486M | $437M | $298M | 1.29% | 15.83% | 3.74% |
| 2026-03-31 | $514M | $453M | $282M | 1.24% | 15.82% | 3.54% |
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 | $425M | 0.08% | 68 | 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.