BanksFIRST NATIONAL BANK OF BLANCHESTER, THE

FIRST NATIONAL BANK OF BLANCHESTER, THE

BLANCHESTER, OHMicroEst. March 8, 1907, midnightFDIC #6530RSSD #735414OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF BLANCHESTER, THE is an 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%. CET1 capital ratio: 21.23%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 0.25%. Operates 1 domestic branch.

Assets
$79M
Deposits
$70M
Loans
$50M
Equity
$8M

Profitability

Return on Assets (ROA)1.35%
Return on Equity (ROE)13.36%
Net Interest Margin4.26%
Yield on Assets5.04%
Cost of Funds0.81%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.03%
Texas Ratio0.25%
NPA Ratio0.03%
ACL / Loans0.62%

Capital & Liquidity

CET1 Ratio21.23%
Tier 1 Capital21.23%
Total Capital Ratio22.04%
Leverage Ratio10.20%
Loan-to-Deposit70.83%

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