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The First Citizens National Bank Of Upper Sandusky

Upper Sandusky, OH · Est. 1902 · Website ↗
A
Trust Grade
Excellent
Score: 93/100

The First Citizens National Bank Of Upper Sandusky is a bank based in Upper Sandusky, Ohio, established in 1902, with $380 million in total assets across 8 branches. By Trust Grade it ranks 82nd of 157 banks we track in Ohio. Its capital ratio of 11.3% is stronger than 66% of similarly sized banks, versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 0.32% return on assets. No consumer complaints against The First Citizens National Bank Of Upper Sandusky appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$380.3M
$100M–1B institution
Deposits
$326.4M
Branches
8
Capital ratio
11.3%
Top 34% of $100M–1B peers · Ohio median 10.3%
Return on assets
0.3%
Bottom 9% of $100M–1B peers · Ohio median 0.93%
Rank in Ohio
#82
of 157 banks

How The First Citizens National Bank Of Upper Sandusky compares to Ohio peers

Capital ratio
Top 34% of $100M–1B peers
The First
11.3%
Ohio median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 9% of $100M–1B peers
The First
0.3%
Ohio median
0.9%
Higher ROA = more profitable relative to asset base

How we graded The First Citizens National Bank Of Upper Sandusky

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
93/100
Customer experience
n/a
Overall
A · 93
  • Strongly capitalized (11.3% capital ratio)
  • Profitable (ROA 0.32%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The First Citizens National Bank Of Upper Sandusky over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (8)

  • 301 N Main St, Nevada, OH 44849
  • 200 N Main St, Dunkirk, OH 45836
  • 129 E Findlay St, Carey, OH 43316
  • 9595 Sawmill Pkwy, Powell, OH 43065
  • 1240 Delaware Ave, Marion, OH 43302
  • 125 Eastlawn Dr, Marion, OH 43302
  • 33 W William St, Delaware, OH 43015
  • 100 N Sandusky Ave, Upper Sandusky, OH 43351

Are deposits at The First Citizens National Bank Of Upper Sandusky insured?

Yes. The First Citizens National Bank Of Upper Sandusky is an FDIC-insured bank (FDIC certificate #14355). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The First Citizens National Bank Of Upper Sandusky: frequently asked questions

Is The First Citizens National Bank Of Upper Sandusky a good bank?

The First Citizens National Bank Of Upper Sandusky earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (11.3% capital ratio); Profitable (ROA 0.32%).

Is The First Citizens National Bank Of Upper Sandusky FDIC-insured?

Yes. The First Citizens National Bank Of Upper Sandusky is a FDIC-insured bank (FDIC certificate #14355). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The First Citizens National Bank Of Upper Sandusky?

The First Citizens National Bank Of Upper Sandusky holds $380 million in total assets, ranking 82nd of 157 banks we track in Ohio. It operates 8 branches.

Does The First Citizens National Bank Of Upper Sandusky have CFPB complaints?

No CFPB complaints against The First Citizens National Bank Of Upper Sandusky appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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