Citizens Nb Of Bluffton (FDIC #6531): Bank Stress & Real-Estate Credit Exposure
Citizens Nb Of Bluffton (FDIC Cert #6531): bank stress 43/100, contained, STABLE over 7 days; parent CITIZENS BANCSHARES INC.
Citizens Nb Of Bluffton (#6531) lends in 7 counties across 1 state; Citizens Nb Of Bluffton (#6531) reaches 135 ZIP codes: Ohio 7 counties, 135 ZIPs.
Citizens Nb Of Bluffton (#6531) largest markets: Lucas County, OH (30 branches, 30 ZIPs) (#6531), Hancock County, OH (24 branches, 24 ZIPs) (#6531), Clark County, OH (23 branches, 23 ZIPs) (#6531), Allen County, OH (120 branches, 20 ZIPs) (#6531), Mercer County, OH (18 branches, 18 ZIPs) (#6531), Defiance County, OH (16 branches, 16 ZIPs) (#6531).
Citizens Nb Of Bluffton (#6531) reports $1.10 billion in total assets; Citizens Nb Of Bluffton (#6531) equity $105.6 million (9.6% of Citizens Nb Of Bluffton (#6531) assets); Citizens Nb Of Bluffton (#6531) domestic deposits $863.6 million; Citizens Nb Of Bluffton (#6531) net income $13.3 million; Citizens Nb Of Bluffton (#6531) return on assets 2.45%; Citizens Nb Of Bluffton (#6531) return on equity 24.82%; Citizens Nb Of Bluffton (#6531) net interest income $23.3 million; Citizens Nb Of Bluffton (#6531) call report June 30, 2026.
Citizens Nb Of Bluffton (#6531) noncurrent real-estate loans: none reported; Citizens Nb Of Bluffton (#6531) net charge-offs on real estate 0.70%; Citizens Nb Of Bluffton (#6531) residential charge-offs 1.14%.
Citizens Nb Of Bluffton (#6531) net interest margin 4.45% against an eight-quarter Citizens Nb Of Bluffton (#6531) average of 4.21% (Citizens Nb Of Bluffton (#6531) compression -0.23 points); Citizens Nb Of Bluffton (#6531) non-residential real estate 113.7% of equity; Citizens Nb Of Bluffton (#6531) rate-exposure score 40/100, Citizens Nb Of Bluffton (#6531) fixed-rate trap 40/100; Citizens Nb Of Bluffton (#6531) risk type credit driven; Citizens Nb Of Bluffton (#6531) rate regime rates elevated, Citizens Nb Of Bluffton (#6531) snapshot October 20, 2026.
Citizens Nb Of Bluffton (#6531) stress score moved from 41.7 on June 22, 2026 to 43.1 on October 20, 2026; Citizens Nb Of Bluffton (#6531) ranged 41.7 to 43.1 over 117 snapshots.
Citizens Nb Of Bluffton (#6531) alerts: 7 counties; top Citizens Nb Of Bluffton (#6531) alert scores: Van Wert County, OH 42 (moderate); Defiance County, OH 35 (moderate); Celina County, OH 18 (low); Findlay County, OH 18 (low); Lima County, OH 18 (low).