# CONSUMERS NATIONAL BANK
MINERVA, OH · FDIC certificate 19482 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.28B | |
| Deposits | $1.12B | |
| Loans and leases | $938.6M | |
| Total equity | $89.9M | |
| Loans / deposits | 82.89% (p39 of band) | 87.10% |
| Liquid assets / assets | 22.52% (p56 of band) | |
| Uninsured deposits / deposits | 33.03% (p57 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.44% (p43 of band) | |
| FHLB advances / assets | 2.11% | |
| Tier 1 leverage | 8.35% (p5 of band) | 10.50% |
| Unrealized securities loss / equity | -25.22% (p13 of band) | -7.75% |
| AOCI / equity | -0.95% (p20 of band) | |
| ROA (annualized) | 0.95% (p27 of band) | 1.26% |
| Net interest margin | 3.50% (p37 of band) | 3.70% |
| Efficiency ratio | 67.56% (p74 of band) | |
| Noncurrent loans | 0.07% (p11 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 1331.18% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 54.47% (p57 of band) | |
| Auto loans | $139.1M (14.82% of loans; DQ 0.18%, NCO 0.00%) | |
| Loans to nondepository financials | $19.3M (21% of equity) (p92 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 198 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | reserve under noncurrent | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, reserve under noncurrent |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | loans-to-lenders >50% equity |  |
| 2019-09 | 1 | capital falling | loans-to-lenders >50% equity |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, loans-to-lenders >50% equity |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | loans-to-lenders >50% equity |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 2 | leverage <7% |  |
| 2021-12 | 0 |  | capital falling, leverage <7% |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-22 [Consumers National Bank Expanding into Mahoning Valley - Business Journal Daily](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdlB2UDlBNFNTQm4xd1VJOVZyT3lFZ2xBd3lCSFV2Ql9rbGUwRXZoNEpNRk1GQjU1b0RsYVZGNzkzOHJaRExoSVRISXZTNklCYVVtbG9QclM4VkgzMm9qZlQ1RzVlOU1uSHZ3QVpXZDRQeUNQRkN2Tm80eFFyMTFTdDB0SlZvVUZ0Ylp5RGNWWQ?oc=5) · Business Journal Daily
- 2025-10-07 [Consumers National Bank opens new branch in downtown Canton - Canton Repository](https://news.google.com/rss/articles/CBMitAFBVV95cUxOSk1kZWM1Z1EzUGNqMUw1YlR3c2VWUGxyRmxQbnprNklhcWQ0dTlYVU5YYmRRS2lsMmpfS2Q1U25fQlN3aHp1V25aN2tsazk5TlpyWDZFU0FkbE9RS1I3cUw0S0VBa3RKVzJOaUpEZnkzV2lDdldwaUdGRmhrdjk4SFhhTThFNS1YUjcxa3N4cmI2RENuN2F1UGRTcFotRHhNeWRiWDJRb1d6QUtmUlhyNUpCdDc?oc=5) · Canton Repository
- 2026-03-25 [New business coming to spot near Mr. Anthony’s in Boardman - WKBN.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQ2lZaFVVMGRtbHFKYjBLNmRKdEYyNGZCR2UyeUx4U3ZrNFFDMnNxbUNickJiZ2V6TmIxWFFsS01sRXVWd2VIeUVUUlFPcWFFajNremJZRXZ4c2dZQ1VNVjBFUE9PWUwwelhCenQ3elNjX2lja1ZTTXlwR2RQeHlwanJPNktjS3JSd1VQSlVJbnhaOEgydWxlT25DUjBvSnJhZnJXdkhBQnBUaFJH0gGyAUFVX3lxTE1raVRfTktnLVU1R3NPMU5VVGhaMzQzcGYxS1JHcUlyeHFuTjdSZlZSQ1FoSzVaQUdZaWRkeC0weDY0ZHpEX1NocHNmcXRsNW0xeVNPcE9RNGU1T25yWmJtSzRJZW03N2lQSFJOQkxaRThLNU1uLWFTeXRQQXlncElsOFBDM2FtSG9QOW5ZaFllZkNsNnkwY05XZTdhbWliUnYwSkxMUW5VVlFRQ2QtWXZteWc?oc=5) · WKBN.com
- 2026-03-10 [Consumers Bank Plans Full-Service Branch in Boardman - Business Journal Daily](https://news.google.com/rss/articles/CBMijwFBVV95cUxOU2tEbXNuV3FaanU0T0E0RjBwOVI0di1mVE01Sy1Ubk5MbGIxUUU5a2hmVVFLMzlMVl9XZ0swaXJKLVJVeXp3aHNFZldyV2lpTEV3TTQtWmlMU0ZKcWJIbzFzV2NJbkdlVzg5cF92OUYxUC1YYVF4MmFsMWxaVU1LaERCM2RrdHplcm1CX2JUdw?oc=5) · Business Journal Daily
- 2025-07-29 [Consumers National Bank to open its first full-service branch in Mahoning County - WFMJ](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQbHdERFc1OW03OG5HNHJXcXkxR01WN3FsUnpXMDRZY3g1TkMteTJSanF6Rm5vVVoxRzZ0bktsWVhidnZSeXdqd3VhNnRFUTduZHdVdXZxUm5vc1JiZHk1a282SjZvUHFSVFhsNnMxdEd3NUw2Qk5ibHgxRml3clBWQlJwQ2wxNDVxZVQ3ckxYU2dYWWJ5MDFhWFc4TjR2LVZOVjVFbm1Eb1ZyR0VUWTZKWFlOUWRyZmVWM0RJbDEtX0JKUEhHdWcwOTB3dFR0OXVxaGJwS2cwQkVXRGZzc0h5QXQtMVhucE1NVTZ5S0pfUGU0TzBfTFF5Z0pZcw?oc=5) · WFMJ
- 2025-10-12 [Stark County business roundup and more features Consumers National Bank - Canton Repository](https://news.google.com/rss/articles/CBMivAFBVV95cUxOV25rTk01a1poaHFZakc0UkhqRlZyNy0zbk0xLURteEFLdFdjM0QzQnlPZlVOb0wyb0p1cU9aRmItSVBiNkI3VkNjOUZXV2Q3WHN3TFIyUWg4alYtYWZ3QVIxQ1pFWFNJalFCZ25fbDZnYzJUVUdNOUtKUHhmWHFYNzlqc0tkZWgxZTZlWTJBSUwtMjdoUlhjNElhVUNYQllZN3diZmM3VmZEYzM4UnROcXpmclowWEI3bkZ2OQ?oc=5) · Canton Repository
- 2021-01-19 [Consumers National Bank to open new branch in Green - Crain's Cleveland](https://news.google.com/rss/articles/CBMijwFBVV95cUxNM3RObDJJU1c4bldIYkQ0U280YmJsNlExNnZYbUpXOTlPbkIyY3lqY0lGOExXSWJNaXp6UFhHVzFNYTBwazhvWllXS1dSVnZ6R3BtWTJveWhGZEZoWDNzc2xDUjhDZm85ZGcyY2QtcW1GS0lvRFBscFF4clBzdkxPM2hDR0R4eVd5akl3NjhvVQ?oc=5) · Crain's Cleveland
- 2021-01-06 [New Consumers National Bank taking shape - - SalemNews.net](https://news.google.com/rss/articles/CBMilgFBVV95cUxQQmNnc3B4ZUpiNTJ3ZGNTOTRkRnZfRmJVa29kMy16NTA2RTE0bjItMHlRMzZFdkloSUFyZmQ4NjhydDVteVFYRkVkdFc3NHlrYnZfYjdSNlFLbTVwSFltbFVxTFpvR2JvZHdKZVd6cDdkUkdqT25YZE9mc2t1X056WVhGbTg1dC1CYkFIVy1kSjZyNG1PeHc?oc=5) · SalemNews.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19482 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "19482", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide