Osgood State Bank


Located in West Central Ohio, we are proud to provide services that support Ohioans growth along with creating a positive work ethic, family values and strong religious beliefs in our communities. Through these actions our region is a leader in agriculture, manufacturing and education systems.


Osgood State Bank (OSB) is a 102 year old institution. While the bank has historically served four small communities in Western Ohio, the bank has transformed itself in recent years. OSB has always had a focus on local lending and community development, as evidenced by their large home loan portfolio and the many charitable projects that they take part in. However, with increased competition from national lenders, along with increased regulatory and IT costs, the bank decided to expand their scope of services.

In 2015 OSB developed an extensive loan process that focused on superior service to small businesses that are underserved by regional and national banks. As a result, the bank has averaged 21% annual loan growth for the last four years… and at the same time they have significantly improved the quality of their loan portfolio. 

OSB’s motto is that they are a small bank helping customers with BIG dreams. As stated by one recent customer:  “You guys do an amazing job of creating a very friendly, streamlined financing process and we appreciate it more than you know. It is so rare to find banks and bankers who care, have good customer service, and offer a user friendly financing process.”


Location: 275 W. Main Street, Osgood, Ohio 45351, Darke County
Type of Industry: Financial

Specialty Commercial Lending, Residential Home Mortgages, Competitive Deposit Product Lines

Number of Current Employees: 55
Year Company Started: 1915
Website: www.OsgoodBank.com

*All information was submitted by the company.