Consumers National Bank

614 East Lincoln Way
Minerva, OH 44657

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19482
Date Established 1965
Assets $0.53 billion
Loans $0.34 billion
Deposits $0.46 billion
Capital $0.05 billion

Consumers National Bank is an FDIC insured institution located in Minerva, OH. It was founded in 1965 and has approximately $0.53 billion in assets. Customers can open an account at one of its 13 branches.

For a more detailed analysis of Consumers National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 23, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1 $19,999 Learn MoreShow Less
Money Market
0.30% $20,000 $74,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 - Learn MoreShow Less
6 Mo CD
0.10% $1,000 - Learn MoreShow Less
Special: 11 Mo CD
1.35% $1,000 - Learn MoreShow Less
12 Mo CD
0.15% $1,000 - Learn MoreShow Less
Special: 18 Mo CD
1.50% $1,000 - Learn MoreShow Less
18 Mo CD
0.15% $1,000 - Learn MoreShow Less
24 Mo CD
0.15% $1,000 - Learn MoreShow Less
30 Mo CD
0.15% $1,000 - Learn MoreShow Less
36 Mo CD
0.50% $1,000 - Learn MoreShow Less
48 Mo CD
1.25% $1,000 - Learn MoreShow Less
60 Mo CD
1.25% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.15% $1,000 - Learn MoreShow Less
Special: 11 Mo FIRA
1.35% $1,000 - Learn MoreShow Less
Special: 18 Mo FIRA
1.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.03% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $2,499 Learn MoreShow Less
Int Ckg
0.02% $2,500 $4,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Brilliant High Yield Checking 2.00% $0 $0.00 Learn MoreShow Less

Loan Rates - August 23, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Consumers National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
3.633% 3.625% 0.13 $245 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to Consumers National Bank
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Branches

Consumers National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Consumers National Bank Locations


Financial Details

Consumers National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Consumers National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Consumers National Bank U.S. Bank Average
1.6% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Consumers National Bank had $817,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $47,389,000 in equity and $3,656,000 in loans loss reserves. That gives it a Texas Ratio of 1.6%.

Return on Equity
Consumers National Bank U.S. Bank Average
9.19% 9.47%

Consumers National Bank has a Return on Equity of 9.19% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Consumers National Bank U.S. Bank Average
8.99% 12.49%

Consumers National Bank has a Capitalization of 8.99% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Consumers National Bank Balance Sheet Analysis

As of March 31, 2019, Consumers National Bank had assets of $526,912,000, loans of $344,651,000, and deposits of $459,357,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.14 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.34 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.48 billion
LIABILITIES
Total deposits $0.46 billion
      Interest-bearing deposits $0.34 billion
      Deposits held in domestic offices $0.46 billion
      % insured (estimated) 75.30%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.48 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Consumers National Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Ohio, Consumers National Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.38
Multifamily
Mortgages
6.37
Credit Card Loans 0.00
Consumer Auto Loans 0.69
Small Business Loans 0.00
Construction and Development Loans 4.55
Commercial Real Estate 36.22
Commercial and Industrial Loans 13.70
Farm Loans 1.05

Frequently Asked Questions About Consumers National Bank

Branches and Savings

Is Consumers National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19482.

Why does Consumers National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Consumers National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Consumers National Bank a commercial bank?

Yes

Where are Consumers National Bank locations?

See branch locations nearby.

Is Consumers National Bank open on Saturdays?

Is Consumers National Bank open on Sundays?

What time does Consumers National Bank open?

What time does Consumers National Bank close?

Are Consumers National Bank ATMs Open 24/7?

Do Consumers National Bank ATMs accept cash deposits?

Can Consumers National Bank customers use other ATMs?

Do Consumers National Bank branches have notaries?

Will Consumers National Bank notarize my document?

What address for Consumers National Bank should I put for incoming ACH transfers?

Will the Consumers National Bank branch print checks?

Do Consumers National Bank checks expire?

Does Consumers National Bank require US citizenship to open account?

Can Consumers National Bank close my account?

Does Consumers National Bank Report to credit bureaus?

Does Consumers National Bank Use Equifax?

What is Consumers National Bank's ACH Routing Number?

What is Consumers National Bank's SWIFT code?

Products

Does Consumers National Bank offer mortgages?

Compare mortgage rates here.

Does Consumers National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Consumers National Bank offer personal loans?

Compare personal loan rates here.

Does Consumers National Bank offer student loans?

Will Consumers National Bank cash a check?

Will Consumers National Bank redeem a savings bond?

Does Consumers National Bank cash savings bonds?

Will Consumers National Bank cash money orders?

Can Consumers National Bank issue a money order?

Does Consumers National Bank do currency exchange?

Background on The Bank

Who owns Consumers National Bank?

How long has Consumers National Bank been around?

Can Consumers National Bank transfer to other banks?

Does Consumers National Bank have quick pay?

Does Consumers National Bank accept rolled coins?

Will Consumers National Bank accept loose change?

Where is Consumers National Bank headquarters?

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