1ST NATIONAL BANK

LEBANON, OH | Small | Est. Jan. 1, 1907, midnight | FDIC #6646 | RSSD #480723 | OCC
Latest Report: 2025-12-31

1ST NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in LEBANON, OH, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $265M and total deposits of $233M. Profitability stands at 0.69% ROA and 8.02% ROE, with a net interest margin of 3.13%. The bank's CET1 capital ratio is 13.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 3.40%. FDIC Certificate #6646.

Assets

$265M

Deposits

$233M

Loans

$185M

Equity

$23M

Profitability

Return on Assets (ROA) 0.69%
Return on Equity (ROE) 8.02%
Net Interest Margin (NIM) 3.13%
Yield on Assets 5.16%
Cost of Funds 2.08%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.05%
Texas Ratio 3.40%
NPA Ratio 0.32%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 13.80%
Tier 1 Capital 13.80%
Total Capital Ratio 15.05%
Leverage Ratio 9.11%
Loan-to-Deposit 79.43%

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