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1St National Bank
Lebanon, OH · FDIC Certificate #6646 · Chartered 01/0
Total assets
$247.21M
Total deposits
$214.25M
Total equity
$23.02M
Net loans
$169.43M
Branches (offices)
8
Net income (YTD)
$732.00K
Rank: #2,729 of 4,213 U.S. banks by assets · #90 of 155 in Ohio. Assets changed -7.4% and deposits -4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.57% |
| Return on equity | 6.45% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 9.31% |
| Tier 1 leverage ratio | 9.56% |
| Uninsured deposits (share of deposits) | 23.9% |
| Noncurrent loans (share of loans) | 0.74% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 79.1% |
| Real estate loans (share of loans) | 97.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $165.03M | 97.4% | |
| Commercial & industrial | $4.79M | 2.8% | |
| Consumer / individual | $1.68M | 1.0% | |
| Construction & development | $8.89M | 5.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $261.53M | $217.82M | -$1.06M | $16.16M |
| Jun 2023 | $294.12M | $226.70M | $133.00K | $17.77M |
| Jun 2024 | $287.02M | $245.05M | $6.00K | $19.61M |
| Jun 2025 | $266.87M | $225.41M | $842.00K | $21.37M |
| Jun 2026 | $247.21M | $214.25M | $732.00K | $23.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $214.25M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $214.25M.
Similar-sized banks
Bodcaw Bank ($247.27M) · Penncrest Bank ($247.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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