FIRST CENTRAL NATIONAL BANK OF SAINT PARIS, THE

SAINT PARIS, OH | Micro | Est. Aug. 8, 1880, midnight | FDIC #15214 | RSSD #538222 | OCC
Latest Report: 2025-12-31

FIRST CENTRAL NATIONAL BANK OF SAINT PARIS, THE is amn micro FDIC-insured commercial bank headquartered in SAINT PARIS, OH, established in Aug. 8, 1880, midnight. As of 2025-12-31, the bank reported total assets of $98M and total deposits of $78M. Profitability stands at 0.84% ROA and 4.39% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 29.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.07%. FDIC Certificate #15214.

Assets

$98M

Deposits

$78M

Loans

$58M

Equity

$19M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 4.39%
Net Interest Margin (NIM) 3.78%
Yield on Assets 4.82%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.07%
NPA Ratio 0.01%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 29.29%
Tier 1 Capital 29.29%
Total Capital Ratio 30.08%
Leverage Ratio 18.79%
Loan-to-Deposit 74.30%

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