RANKING ·
Highest net interest margin in Ohio
132 of 160 banks in Ohio that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin | Total assets |
|---|---|---|---|---|
| 1 | Spring Valley Bank | Wyoming, OH | 6.11% | $114 million |
| 2 | Sutton Bank | Attica, OH | 5.77% | $1.7 billion |
| 3 | First Bank of Ohio | Tiffin, OH | 5.75% | $278 million |
| 4 | Community Savings | Caldwell, OH | 5.31% | $285 million |
| 5 | The Home Loan Savings Bank | Coshocton, OH | 5.21% | $387 million |
| 6 | The Bank of Magnolia Company | Magnolia, OH | 5.09% | $108 million |
| 7 | The Apple Creek Banking Company | Apple Creek, OH | 5.08% | $271 million |
| 8 | The First National Bank of Dennison, Ohio | Dennison, OH | 5.03% | $267 million |
| 9 | The Baltic State Bank | Baltic, OH | 4.95% | $130 million |
| 10 | The Park National Bank | Newark, OH | 4.83% | $12.6 billion |
| 11 | Woodsfield Savings Bank | Woodsfield, OH | 4.81% | $123 million |
| 12 | Settlers Bank | Marietta, OH | 4.80% | $142 million |
| 13 | The Sherwood State Bank | Sherwood, OH | 4.74% | $108 million |
| 14 | The Citizens National Bank of Mcconnelsville | Mcconnelsville, OH | 4.67% | $102 million |
| 15 | The Fort Jennings State Bank | Fort Jennings, OH | 4.67% | $286 million |
| 16 | Farmers State Bank | West Salem, OH | 4.61% | $188 million |
| 17 | The Farmers and Merchants Bank | Caldwell, OH | 4.61% | $136 million |
| 18 | North Valley Bank | Zanesville, OH | 4.61% | $427 million |
| 19 | New Carlisle Federal Savings Bank | New Carlisle, OH | 4.59% | $330 million |
| 20 | Adelphi Bank | Columbus, OH | 4.56% | $124 million |
| 21 | The Citizens National Bank of Bluffton | Bluffton, OH | 4.54% | $1.1 billion |
| 22 | Mercer Savings Bank | Celina, OH | 4.52% | $176 million |
| 23 | Farmers & Merchants Bank | Miamisburg, OH | 4.50% | $359 million |
| 24 | Buckeye Community Bank | Elyria, OH | 4.48% | $238 million |
| 25 | SSB Community Bank | Strasburg, OH | 4.46% | $297 million |
| 26 | Riverhills Bank | Milford, OH | 4.46% | $341 million |
| 27 | United Midwest Savings Bank N.A. | Degraff, OH | 4.45% | $523 million |
| 28 | Greenville National Bank | Greenville, OH | 4.41% | $641 million |
| 29 | The Richwood Banking Company Inc. | Richwood, OH | 4.38% | $1.3 billion |
| 30 | The First National Bank of Mcconnelsville | Mcconnelsville, OH | 4.37% | $200 million |
| 31 | Peoples State Bank | New Lexington, OH | 4.35% | $286 million |
| 32 | Peoples Bank | Marietta, OH | 4.35% | $9.5 billion |
| 33 | First Federal Community Bank of Bucyrus | Bucyrus, OH | 4.31% | $374 million |
| 34 | The Farmers State Bank | New Madison, OH | 4.27% | $330 million |
| 35 | The Twin Valley Bank | West Alexandria, OH | 4.27% | $138 million |
| 36 | Southern Hills Community Bank | Leesburg, OH | 4.26% | $210 million |
| 37 | The Antwerp Exchange Bank Company | Antwerp, OH | 4.26% | $161 million |
| 38 | The National Bank of Adams County of West Union | West Union, OH | 4.18% | $115 million |
| 39 | The Union Bank Company | Columbus Grove, OH | 4.15% | $1.4 billion |
| 40 | The St. Henry Bank | St. Henry, OH | 4.15% | $436 million |
| 41 | Lcnb National Bank | Lebanon, OH | 4.14% | $2.2 billion |
| 42 | The First National Bank of Pandora | Pandora, OH | 4.14% | $299 million |
| 43 | The First Citizens National Bank of Upper Sandusky | Upper Sandusky, OH | 4.11% | $390 million |
| 44 | First Financial Bank | Cincinnati, OH | 4.11% | $22.4 billion |
| 45 | Civista Bank | Sandusky, OH | 4.08% | $4.3 billion |
| 46 | Signature Bank N.A. | Toledo, OH | 4.08% | $1.3 billion |
| 47 | The Genoa Banking Company | Genoa, OH | 4.03% | $748 million |
| 48 | The Community Bank | Zanesville, OH | 4.01% | $680 million |
| 49 | First Federal Community Bank N.A. | Dover, OH | 4.01% | $995 million |
| 50 | The First National Bank of Bellevue | Bellevue, OH | 3.98% | $310 million |
| 51 | Vinton County National Bank | Mcarthur, OH | 3.98% | $1.6 billion |
| 52 | The Commercial and Savings Bank of Millersburg, Ohio | Millersburg, OH | 3.98% | $1.3 billion |
| 53 | Unified Bank | Martins Ferry, OH | 3.95% | $872 million |
| 54 | Main Street Bank Corp. | Wooster, OH | 3.94% | $1.6 billion |
| 55 | The Farmers Bank and Savings Company | Pomeroy, OH | 3.92% | $472 million |
| 56 | Minster Bank | Minster, OH | 3.91% | $812 million |
| 57 | The Hocking Valley Bank | Athens, OH | 3.91% | $354 million |
| 58 | Osgood Bank | Osgood, OH | 3.90% | $486 million |
| 59 | The Ohio Valley Bank Company | Gallipolis, OH | 3.89% | $1.6 billion |
| 60 | The Fahey Banking Company | Marion, OH | 3.86% | $385 million |
| 61 | The Harrison Building and Loan Association | Harrison, OH | 3.82% | $268 million |
| 62 | The Croghan Colonial Bank | Fremont, OH | 3.81% | $1.4 billion |
| 63 | Merchants National Bank | Hillsboro, OH | 3.80% | $1.3 billion |
| 64 | First Federal Savings and Loan Association of Delta | Delta, OH | 3.80% | $246 million |
| 65 | Home Savings and Loan Company of Kenton, Ohio, the Dba Hslc | Kenton, OH | 3.77% | $245 million |
| 66 | The Savings Bank | Circleville, OH | 3.76% | $520 million |
| 67 | The Peoples Savings Bank | Urbana, OH | 3.76% | $189 million |
| 68 | The Citizens Bank Company | Beverly, OH | 3.76% | $335 million |
| 69 | Hometown Bank | Kent, OH | 3.72% | $255 million |
| 70 | The First National Bank of Sycamore | Sycamore, OH | 3.69% | $239 million |
| 71 | Portage Community Bank | Ravenna, OH | 3.69% | $552 million |
| 72 | Miami Savings Bank | Miamitown, OH | 3.68% | $148 million |
| 73 | The Citizens National Bank of Woodsfield | Woodsfield, OH | 3.66% | $154 million |
| 74 | Valley Central Bank | Liberty Township, OH | 3.66% | $187 million |
| 75 | Fifth Third Bank N.A. | Cincinnati, OH | 3.66% | $299 billion |
| 76 | The Farmers National Bank of Canfield | Canfield, OH | 3.63% | $7.2 billion |
| 77 | The Killbuck Savings Bank Company | Killbuck, OH | 3.63% | $954 million |
| 78 | The Farmers & Merchants State Bank | Archbold, OH | 3.62% | $3.5 billion |
| 79 | The State Bank and Trust Company | Defiance, OH | 3.62% | $1.6 billion |
| 80 | 1st National Bank | Lebanon, OH | 3.52% | $247 million |
| 81 | National Cooperative Bank N.A. | Hillsboro, OH | 3.52% | $4.3 billion |
| 82 | Waterford Bank N.A. | Toledo, OH | 3.52% | $1.8 billion |
| 83 | Consumers National Bank | Minerva, OH | 3.50% | $1.3 billion |
| 84 | Buckeye State Bank | Powell, OH | 3.47% | $569 million |
| 85 | Mechanics Bank | Mansfield, OH | 3.47% | $896 million |
| 86 | Community Savings Bank | Bethel, OH | 3.46% | $120 million |
| 87 | Somerville Bank | Eaton, OH | 3.45% | $291 million |
| 88 | The Hicksville Bank | Hicksville, OH | 3.44% | $221 million |
| 89 | The Cincinnatus Savings and Loan Company | Cincinnati, OH | 3.43% | $193 million |
| 90 | The First National Bank of Waverly | Waverly, OH | 3.40% | $196 million |
| 91 | The Huntington National Bank | Columbus, OH | 3.40% | $283 billion |
| 92 | Kingston National Bank | Kingston, OH | 3.34% | $586 million |
| 93 | Greenville Federal | Greenville, OH | 3.31% | $264 million |
| 94 | First Federal Savings and Loan Association of Newark | Newark, OH | 3.31% | $294 million |
| 95 | The Peoples Bank Co. | Coldwater, OH | 3.30% | $859 million |
| 96 | First Federal Bank of Ohio | Galion, OH | 3.24% | $283 million |
| 97 | First Federal Savings and Loan Association of Van Wert, Oh | Van Wert, OH | 3.24% | $197 million |
| 98 | First State Bank | Winchester, OH | 3.24% | $1.2 billion |
| 99 | The Andover Bank | Andover, OH | 3.19% | $595 million |
| 100 | Fairfield Federal Savings and Loan Association of Lancaster | Lancaster, OH | 3.19% | $281 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings