FIRST NATIONAL BANK OF BLANCHESTER, THE

BLANCHESTER, OH | Micro | Est. March 8, 1907, midnight | FDIC #6530 | RSSD #735414 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF BLANCHESTER, THE is amn micro FDIC-insured commercial bank headquartered in BLANCHESTER, OH, established in March 8, 1907, midnight. As of 2025-12-31, the bank reported total assets of $79M and total deposits of $70M. Profitability stands at 1.35% ROA and 13.36% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 21.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.25%. FDIC Certificate #6530.

Assets

$79M

Deposits

$70M

Loans

$50M

Equity

$8M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 13.36%
Net Interest Margin (NIM) 4.26%
Yield on Assets 5.04%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.25%
NPA Ratio 0.03%
ACL / Loans 0.62%

Capital & Liquidity

CET1 Ratio 21.23%
Tier 1 Capital 21.23%
Total Capital Ratio 22.04%
Leverage Ratio 10.20%
Loan-to-Deposit 70.83%

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