Osgood Bank (FDIC #9137): Bank Stress & Real-Estate Credit Exposure

Osgood Bank (FDIC Cert #9137): bank stress 69/100, elevated, STABLE over 7 days; parent OSB BCORP INC.

Osgood Bank (#9137) lends in 4 counties across 1 state; Osgood Bank (#9137) reaches 70 ZIP codes: Ohio 4 counties, 70 ZIPs.

Osgood Bank (#9137) largest markets: Darke County, OH (25 branches, 25 ZIPs) (#9137), Logan County, OH (19 branches, 19 ZIPs) (#9137), Mercer County, OH (18 branches, 18 ZIPs) (#9137), Shelby County, OH (36 branches, 18 ZIPs) (#9137).

Osgood Bank (#9137) reports $485.8 million in total assets; Osgood Bank (#9137) equity $42.8 million (8.8% of Osgood Bank (#9137) assets); Osgood Bank (#9137) domestic deposits $437.3 million; Osgood Bank (#9137) net income $3.2 million; Osgood Bank (#9137) return on assets 1.29%; Osgood Bank (#9137) return on equity 15.83%; Osgood Bank (#9137) net interest income $8.7 million; Osgood Bank (#9137) call report June 30, 2026.

Osgood Bank (#9137) noncurrent real-estate loans: none reported; Osgood Bank (#9137) net charge-offs on real estate 0.00%.

Osgood Bank (#9137) net interest margin 3.74% against an eight-quarter Osgood Bank (#9137) average of 3.59% (Osgood Bank (#9137) compression -0.15 points); Osgood Bank (#9137) rate-exposure score 40/100, Osgood Bank (#9137) fixed-rate trap 40/100; Osgood Bank (#9137) risk type credit driven; Osgood Bank (#9137) rate regime rates elevated, Osgood Bank (#9137) snapshot October 20, 2026.

Osgood Bank (#9137) stress score moved from 71.5 on June 22, 2026 to 68.9 on October 20, 2026; Osgood Bank (#9137) ranged 68.9 to 71.5 over 117 snapshots.

Osgood Bank (#9137) alerts: 4 counties; top Osgood Bank (#9137) alert scores: Chickasaw County, OH 24 (low); Lakeview County, OH 24 (low); Osgood County, OH 24 (low); Russia County, OH 24 (low).