Banks1ST NATIONAL BANK

1ST NATIONAL BANK

LEBANON, OHSmallEst. Jan. 1, 1907, midnightFDIC #6646RSSD #480723OCC
Latest · 2025-12-31

1ST NATIONAL BANK is an 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%. CET1 capital ratio: 13.80%, well above regulatory minimums. NPL ratio: 0.46% · Texas Ratio: 3.40%. Operates 9 domestic branches.

Assets
$265M
Deposits
$233M
Loans
$185M
Equity
$23M

Profitability

Return on Assets (ROA)0.69%
Return on Equity (ROE)8.02%
Net Interest Margin3.13%
Yield on Assets5.16%
Cost of Funds2.08%

Asset Quality

NPL Ratio0.46%
Net Charge-Off Ratio0.05%
Texas Ratio3.40%
NPA Ratio0.32%
ACL / Loans1.14%

Capital & Liquidity

CET1 Ratio13.80%
Tier 1 Capital13.80%
Total Capital Ratio15.05%
Leverage Ratio9.11%
Loan-to-Deposit79.43%

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