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Ohio State Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Ohio State Bank's top rates as of October 12, 2026 are 4.25% APY on its 13-month 13-Month Certificate, 7.00% APY on savings, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Ohio State Bank CD rates include 9-month 9-Month Certificate at 4.00%, 12-month 12-Month Certificate at 3.75%, and 6-month 6-Month Certificate at 3.75%. MonitorBankRates evaluates the financial stability of Ohio State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.11%. Rates last updated and verified on 10/12/2026.

Ohio State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ohio State Bank? Share your experience about Ohio State Bank by leaving a review below, or read customer reviews before you decide to use Ohio State Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.11%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Ohio State Bank
2106 E Main St
Bexley, OH 43209
https://www.bankatosb.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Ohio State Bank CD Rates

Product Rate APY Term View More
13 Month Certificate 4.17% 4.25% 13-month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
9 Month Certificate 3.92% 4.00% 9-month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
12 Month Certificate 3.69% 3.75% 12-month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
6 Month Certificate 3.69% 3.75% 6-month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
60 Month Certificate 1.98% 2.00% 60-month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
48 Month Certificate 1.83% 1.85% 48-month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 1.85% APY · checked 5 times
1.35%1.85%2.35%Sep 24, 2026: 1.85% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
36 Month Certificate 1.74% 1.75% 36-month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 24, 2026: 1.75% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
24 Month Certificate 1.49% 1.50% 24-month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%

Ohio State Bank Savings Rates

Product Rate APY View More
OSB Jump Start Savings for Kids 6.78% 7.00%
Min Balance $0
Details Balance: $0-$1500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.00% APY · checked 6 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 1.49% 1.50%
Min Balance $1,000,000
Details Balance: $1,000,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 1.00% 1.00%
Min Balance $500,000
Details Balance: $500,000.00-$999,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 0.40% 0.40%
Min Balance $100,000
Details Balance: $100,000.00-$499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000.00-$99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Statement Savings 0.05% 0.05%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Statement Savings 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 0.02% 0.02%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Statement Savings 0.02% 0.02%
Min Balance $1,000
Details Balance: $1,000.00-$9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 0.01% 0.01%
Min Balance $2,500
Details Balance: $2,500.00-$9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Statement Savings 0.01% 0.01%
Min Balance $0
Details Balance: $0-$999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%

Ohio State Bank Business Savings Rates

Product Rate APY View More
Business OSB Money Market Savings 1.49% 1.50%
Min Balance $1,000,000
Details Balance: $1,000,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 1.00% 1.00%
Min Balance $500,000
Details Balance: $500,000.00-$999,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 0.40% 0.40%
Min Balance $100,000
Details Balance: $100,000.00-$499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000.00-$99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Statement Savings 0.05% 0.05%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Statement Savings 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 0.02% 0.02%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Statement Savings 0.02% 0.02%
Min Balance $1,000
Details Balance: $1,000.00-$9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 0.01% 0.01%
Min Balance $2,500
Details Balance: $2,500.00-$9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Statement Savings 0.01% 0.01%
Min Balance $0
Details Balance: $0-$999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%

Ohio State Bank Money Market Rates

Product Rate APY View More
OSB Money Market Savings 1.49% 1.50%
Min Balance $1,000,000
Details Balance: $1,000,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 1.00% 1.00%
Min Balance $500,000
Details Balance: $500,000.00-$999,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 0.40% 0.40%
Min Balance $100,000
Details Balance: $100,000.00-$499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000.00-$99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 0.02% 0.02%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Money Market Savings 0.01% 0.01%
Min Balance $2,500
Details Balance: $2,500.00-$9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%

Ohio State Bank Business Money Market Rates

Product Rate APY View More
Business OSB Money Market Savings 1.49% 1.50%
Min Balance $1,000,000
Details Balance: $1,000,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 1.00% 1.00%
Min Balance $500,000
Details Balance: $500,000.00-$999,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 0.40% 0.40%
Min Balance $100,000
Details Balance: $100,000.00-$499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000.00-$99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 0.02% 0.02%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Money Market Savings 0.01% 0.01%
Min Balance $2,500
Details Balance: $2,500.00-$9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%

Ohio State Bank Checking Rates

Product Rate APY View More
OSB Interest Checking 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Interest Checking 0.02% 0.02%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
OSB Interest Checking 0.01% 0.01%
Min Balance $2,500
Details Balance: $2,500.00-$9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%

Ohio State Bank Business Checking Rates

Product Rate APY View More
Business OSB Interest Checking 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Interest Checking 0.02% 0.02%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Business OSB Interest Checking 0.01% 0.01%
Min Balance $2,500
Details Balance: $2,500.00-$9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Ohio State Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 8.11% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 0.00% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 8.11% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$484M8.11%5.0A
March 31, 2026$481M3.63%5.0A+
December 31, 2025$483M3.72%5.0A+
September 30, 2025$473M0.00%5.0A+
June 30, 2025$460M0.00%5.0A+
March 31, 2025$455M0.00%5.0A+
December 31, 2024$459M0.00%5.0A+
September 30, 2024$459M0.00%5.0A+
June 30, 2024$449M0.00%5.0A+
March 31, 2024$450M0.00%5.0A+
December 31, 2023$441M0.00%5.0A+
September 30, 2023$439M0.00%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Ohio State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Ohio State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Ohio State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Ohio State Bank
FDIC Certificate # 59144
Address 2106 E Main St, Bexley, OH 43209  ·  Franklin
Website https://www.bankatosb.com
Established 20190422
FDIC Insurance Date 20190422
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 96/100
5.0
Exceptional Out of 5.0 Stars
8.11%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.0215%
Return on Equity (ROE) 9.3200%
Non-Performing Loans (NPL) 0.91%
Total Assets $483,982,000
Total Deposits $405,375,000
Equity Capital $54,337,000
Net Income $2,465,000
Headquarters Bexley
Total Branches and Offices 2
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Ohio State Bank earned the Verified Healthy badge

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Frequently Asked Questions About Ohio State Bank

How many branches does Ohio State Bank operate?

Ohio State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Ohio State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ohio State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Ohio State Bank offer online and mobile banking?

Most modern institutions like Ohio State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankatosb.com.

Current Ohio State Bank Rates

  • 12-Month CD3.75%
  • 24-Month CD1.50%
  • 36-Month CD1.75%
  • 48-Month CD1.85%
  • 60-Month CD2.00%
  • Savings7.00%
Retrieved from our database of financial products. Rates subject to change.

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