OH lenders / Community Bank
The First Citizens National Bank of Upper Sandusky
Community Bank · Upper Sandusky, OH
- Total assets
- $380.3M
- CRE loan book
- $116.1M
- QoQ CRE growth
- 8.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.80% as of Q1 2026 — TX bank median 4.87% (0.93pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.80% | 5.92% |
| Q4 2025 | 5.81% | 5.97% |
| Q3 2025 | 5.76% | 5.92% |
| Q2 2025 | 5.52% | 5.67% |
| Q1 2025 | 5.49% | 5.65% |
| Q4 2024 | 5.61% | 5.75% |
| Q3 2024 | 5.56% | 5.74% |
| Q2 2024 | 5.33% | 5.50% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $116.1M | $8.4M | $14.3M | 182% | $0 |
| Q4 2025 | $107.4M | $7.6M | $14.4M | 169% | $0 |
| Q3 2025 | $105.6M | $5.3M | $14.5M | 168% | $0 |
| Q2 2025 | $109.3M | $4.7M | $14.5M | 173% | $0 |
| Q1 2025 | $113.9M | $3.9M | $14.2M | 183% | $0 |
| Q4 2024 | $115.4M | $5.8M | $14.3M | 192% | $0 |
| Q3 2024 | $116.3M | $11.3M | $14.4M | 194% | $225,000 |
| Q2 2024 | $116.2M | $10.3M | $14.6M | 199% | $230,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Cattaraugus County BankCommunity Bank · Little Valley · $116.2M CRE book
- The Upstate National BankCommunity Bank · Ogdensburg · $114.9M CRE book
- The Bank of HerrinCommunity Bank · Herrin · $114.9M CRE book
- First Federal Community Bank, SSBCommunity Bank · Paris · $114.8M CRE book
- Texas Exchange BankCommunity Bank · Crowley · $114.8M CRE book
See all alternatives to The First Citizens National Bank of Upper Sandusky →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.