1st National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at 1st National Bank. Its balance sheet stood at $247 million at June 30, 2026, down 7.4% from a year earlier; it is based in Lebanon, Ohio. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.62% of loans from 0.27% a year earlier. It shrank its loan book 10.9% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Delinquency has appeared in its $19 million non-owner-occupied commercial real estate book: 8.80% of those loans are past due or on nonaccrual, against almost none a year earlier. The balance sheet shrank over the year: over the year loans fell 10.9% and deposits fell 4.9%. Its margin is thin by comparison: it keeps 3.38 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, 1st National Bank reported a CET1 capital ratio of 14.71%, a return on assets of 1.03%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 4.24%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1000 E Main St, Lebanon, OH 45036
- County
- Warren
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1907
- Former names
- The First National Bank of Warren County (1972-1992)
- Offices
- 8 domestic
- Employees (FTE)
- 60
- Domestic deposits
- $214.3M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $41K
- Average total assets
- $255.0M
- Average total loans
- $172.9M
- Average interest-bearing deposits
- $151.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6646
- Fed RSSD
- 480723
- Website
- WWW.BANKWITH1ST.COM →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full 1st National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock 1st National Bank, free1st National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.71% | 1.03% | 0.26% | 4.24% | 3.38% |
| Q1 2026 | 14.09% | 0.12% | 0.26% | 2.91% | 3.01% |
| Q4 2025 | 13.80% | 0.68% | 0.46% | 3.70% | 3.23% |
| Q3 2025 | 13.49% | 0.73% | 0.35% | 1.97% | 3.02% |
| Q2 2025 | 12.92% | 1.08% | 0.37% | 2.20% | 3.10% |
| Q1 2025 | 12.21% | 0.19% | 0.28% | 2.98% | 2.66% |
| Q4 2024 | 11.92% | -0.18% | 0.19% | 2.15% | 2.55% |
| Q3 2024 | 11.68% | 1.77% | 0.19% | 1.71% | 2.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1st National Bank (main office) | Lebanon , OH | 45036 | $101.2M |
| Mason Branch | Mason , OH | 45040 | $33.1M |
| Morrow Branch | Morrow , OH | 45152 | $33.0M |
| Maineville Branch | Maineville , OH | 45039 | $18.0M |
| Liberty Township Branch | Liberty Township , OH | 45044 | $16.4M |
| Walmart Lebanon Branch | Lebanon , OH | 45036 | $10.7M |
| Centerville Krogers Branch | Centerville , OH | 45458 | $1.9M |
| Fields-Ertel Branch | Cincinnati , OH | 45249 | $0 |
Regulatory record
What the public regulatory sources show for 1st National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- July 25, 2024, OCC: Formal Agreement: 1st National Bank
- August 18, 2009, OCC: Civil Money Penalty (CMP): 1st National Bank
- Period: Most recent institution action July 25, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 104 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about 1st National Bank
What are 1st National Bank's total assets?
As of the Q2 2026 filing, 1st National Bank reported total assets of $247.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is 1st National Bank headquartered?
1st National Bank is headquartered in Lebanon, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was 1st National Bank founded?
1st National Bank was established in 1907, per the FDIC institution directory.
Is 1st National Bank FDIC-insured?
Yes. 1st National Bank is an FDIC-insured commercial bank (FDIC Certificate #6646). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st National Bank?
1st National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is 1st National Bank's CET1 capital ratio?
1st National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.71% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does 1st National Bank operate?
1st National Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 1st National Bank's Texas Ratio?
1st National Bank's Texas Ratio is 4.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was 1st National Bank previously called?
The charter now named 1st National Bank has also operated as The First National Bank of Warren County (1972-1992), per FDIC structure-change records.
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