Message from the President

Michael N. Monnier

Osgood State Bank is a bank built on customer service. We will provide the highest degree of customer service and innovative customer products, for we believe this differentiates us from our competition. Our success (growth and profit) is a result of treating customers with dignity and respect. We believe that common courtesy is a strategic advantage. Therefore, all policies, systems and hiring will keep this concept in mind.

We are proud of the communities we serve. Through our involvement, the area is a better place to raise a family and to start a business. Our involvement does not stop at the bank. All of our employees are encouraged to participate in local activities.

Osgood State Bank is an active financial partner in the lives of area residents and businesses. Through our local ownership and management, we make a positive difference to people in the area. It is our duty and responsibility. The bank also has a responsibility to shareholders. We will operate a safe and sound bank that provides our shareholders with a reasonable return on their investment as defined by return on equity.

We believe in the power of ethical management. We adhere to a strict interpretation of ethical behavior. In meeting these standards, we will operate a stronger bank for our customers, our shareholders and our staff.

Most of all, Osgood State Bank is people. We believe that our staff will grow and remain happy if they work in an environment which respects and rewards their individual contributions.

We appreciate our customers and shareholders for their commitment and investment in Osgood State Bank. We are proud of our achievements and feel that we offer the latest in technology in order to meet or exceed the needs of our customers.

With this in mind, we invite you to visit the Federal Financial Institutions Examination Council website at https://cdr.ffiec.gov/public/ManageFacsimiles.aspx. Through this site you can obtain financial and structural information for most FDIC-insured institutions, including public financial information regarding Osgood State Bank. You can also visit www.fdic.gov for more information regarding Osgood State Bank.