Bank · FDIC insured
Osgood Bank
A $485.8M bank headquartered in Osgood, OH, with 5 branches in Ohio. Best rates: CDs 3.04% and savings 0.03% APY.
Osgood Bank Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#10 of 11 in Sidney, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Osgood Bank
Osgood Bank serves borrowers within its regional footprint in Ohio and serves clients nationwide through specialty lines of business.
- Headquarters
- 275 W Main St, Osgood, OH 45351
- FDIC certificate
- 9137 ↗
Branches
5 branches in Ohio
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Ohio
5 branches
Sidney area · 2
- Fort Loramie Branch500 E Park St, Fort Loramie, OH 45845Directions
- Russia Branch207 W Main St, Russia, OH 45363Directions
Greenville area · 1
- Osgood BankMain office275 W Main St, Osgood, OH 45351Directions
Celina area · 1
- Chickasaw Branch79 W Franklin St, Chickasaw, OH 45826Directions
Bellefontaine area · 1
- Indian Lake Branch165 East Lake Street, Lakeview, OH 43331Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.86% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.38% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.29% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $69 | $81 | — |
- CapitalLeverage ratio9.86%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.38%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.29%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$69Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Osgood Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.