What is Consumers National Bank's financial health grade?

Consumers National Bank has a TFS Financial Health Grade of B- (score: 76.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Consumers National Bank have?

Consumers National Bank has 22 branch locations across the United States.

Is Consumers National Bank FDIC insured?

Yes, Consumers National Bank is FDIC insured (Certificate #19482).

What are the total assets of Consumers National Bank?

Consumers National Bank has total assets of $1.3B as reported in its most recent FDIC filing.

Consumers National Bank: TFS Grade & Financial Health

BankMinerva, Ohio

www.consumers.bank

Compare Consumers National BankCD withdrawal tools

Total Assets

$1.3B

Total Deposits

$1.1B

Branches

Established

1965

Consumers National Bank is a bank headquartered in Minerva, Ohio, established in 1965. It holds $1.3B in total assets across 22 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Consumers National Bank earns a TFS Financial Health Grade of B- (76.1/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

B-

76.1 / 100

Good financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

8.35%(8%)

Total Capital Ratio

11.93%(10%)

Non-Performing Loan Ratio

0.07%

Profitability

Return on Assets (ROA)

0.95%(1%)

Return on Equity (ROE)

13.42%(10%)

Net Interest Margin

3.50%

Efficiency Ratio

67.56%(60%)

Lending & Liquidity

Total Loans

$938.6M

Loan-to-Deposit Ratio

82.89%

Net Charge-Off Ratio

Other banks in Ohio

MINERVA AREA

Minerva, OH

$17.6M

JPMorgan Chase Bank, National Association

Bank

Columbus, OH

$4091.3B

U.S. Bank National Association

Bank

Cincinnati, OH

$705.6B

Fifth Third Bank, National Association

Branch	Address	City	State	Type
Consumers National BankHQ	614 E Lincolnway	Minerva	OH	11
Consumers National Bank	9 E Main St	Adena	OH	11
Consumers National Bank	610 W State St	Alliance	OH	11
Consumers National Bank	256 2nd St	Bergholz	OH	11
Consumers National Bank	210 Wabash Ave S	Brewster	OH	11
Consumers National Bank	4026 Dressler Rd Nw	Canton	OH	11
Consumers National Bank	1017 Canton Rd Nw	Carrollton	OH	11
Consumers National Bank	44 Smithfield St	Dillonvale	OH	11
Consumers National Bank	440 Noble St W	East Canton	OH	11
Consumers National Bank	49028 Foulks Dr	East Liverpool	OH	11
Consumers National Bank	3680 Embassy Pkwy	Fairlawn	OH	11
Consumers National Bank	30034 Canal St	Hanoverton	OH	11
Consumers National Bank	1215 W Maple St	Hartville	OH	11
Consumers National Bank	7895 Dickey Dr	Lisbon	OH	11
Consumers National Bank	1111 N Chapel St	Louisville	OH	11
Consumers National Bank	4070 Alliance Road Nw	Malvern	OH	11
Consumers National Bank	2117 Lincoln Way E	Massillon	OH	11
Consumers National Bank	298 Union St	Mount Pleasant	OH	11
Consumers National Bank	141 S Ellsworth Ave	Salem	OH	11
Consumers National Bank	4086 Massillon Rd	Uniontown	OH	11
Consumers National Bank	8607 Waynesburg Dr Se	Waynesburg	OH	11
Consumers National Bank	601 Main St	Wellsville	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeBank

FDIC Certificate #19482

Primary RegulatorOCC

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q2

Consumers National Bank compared with similar banks

Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

76.1

worse than peers

25th percentileMedian 81.5

Tier 1 capital ratio

8.35%

worse than peers

5th percentileMedian 10.19%

Return on assets

0.95%

worse than peers

20th percentileMedian 1.31%

Non-performing loans

0.07%

better than peers

85th percentileMedian 0.44%

Efficiency ratio

67.56%

worse than peers

22nd percentileMedian 59.35%

Asset growth (YoY)

9.86%

better than peers

83rd percentileMedian 4.62%

Suggested direct comparisons

Closest useful peers

View OH rankings

B-

Same state

The Merchants National Bank

Hillsboro, OH

$1.3B

Same state

The Commercial and Savings Bank of Millersburg, Ohio

Millersburg, OH

$1.3B

B+

Same state

The Richwood Banking Company

Consumers National Bank: TFS Grade & Financial Health

Capital & Safety

Profitability

Lending & Liquidity

Other banks in Ohio

MINERVA AREA

JPMorgan Chase Bank, National Association

U.S. Bank National Association

Fifth Third Bank, National Association

Growth

Institution Details

Consumers National Bank compared with similar banks

Closest useful peers

The Huntington National Bank

KeyBank National Association