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The First Central National Bank Of St. Paris
St. Paris, OH · FDIC Certificate #15214 · Chartered 08/0
Total assets
$96.97M
Total deposits
$76.82M
Total equity
$18.79M
Net loans
$58.51M
Branches (offices)
4
Net income (YTD)
$370.00K
Rank: #3,698 of 4,213 U.S. banks by assets · #134 of 155 in Ohio. Assets changed 1.4% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 3.96% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 19.38% |
| Tier 1 leverage ratio | 18.89% |
| Uninsured deposits (share of deposits) | 10.6% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 76.2% |
| Real estate loans (share of loans) | 82.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $48.33M | 82.6% | |
| Commercial & industrial | $2.51M | 4.3% | |
| Consumer / individual | $1.46M | 2.5% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $5.07M | 8.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $113.30M | $95.35M | $332.00K | $16.63M |
| Jun 2023 | $103.98M | $85.11M | $656.00K | $17.28M |
| Jun 2024 | $93.42M | $73.61M | $468.00K | $18.23M |
| Jun 2025 | $95.64M | $75.25M | $378.00K | $18.87M |
| Jun 2026 | $96.97M | $76.82M | $370.00K | $18.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $76.82M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $76.82M.
Similar-sized banks
Port Richmond Savings ($97.17M) · Bank47 ($96.96M)
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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