The First Central National Bank of Saint Paris
Also written as FCNB of Saint Paris
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Data as of · sourced from FFIEC call reports. How we update
The First Central National Bank of Saint Paris is an FDIC-insured commercial bank headquartered in Saint Paris, OH, established in 1880 (FDIC certificate 15214), and it is supervised by the OCC. At Q2 2026 it reported total assets of $97.0M, up 1.4% from Q2 2025, the 133rd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 29.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 15214
- Headquarters
- Saint Paris, OH
- Established
- 1880
- Total assets, Q2 2026
- $97.0M
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 29.75%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 044107163
- Latest call report
- Q2 2026, FFIEC 041 · The First Central National Bank of Saint Paris Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- CENTRAL BANCSHARES, INC.
- Asset rank in state
- 133rd of 154 in Ohio
Little in The First Central National Bank of Saint Paris's latest call report stands out. Based in Saint Paris, Ohio, it had $97 million in assets at June 30, 2026, up 1.4% from a year earlier. On most measures it sits near the middle of the 533 banks with less than $100 million in assets.
Loans are outrunning deposits: over the year loans rose 8.2% and deposits rose 2.1%. Delinquency has appeared in its $8.4 million non-owner-occupied commercial real estate book: 1.03% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, The First Central National Bank of Saint Paris reported a CET1 capital ratio of 29.75%, a return on assets of 0.80%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The First Central National Bank of Saint Paris is the 133rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $97.0M, loans rose 1.6% and deposits fell 2.8%. 1-4 family residential loans made up 31.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 29.9%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in OH; its St. Paris office books 71% of its branch deposits. On its Q2 2026 call report, The First Central National Bank of Saint Paris meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 S Springfield St, Saint Paris, OH 43072
- County
- Champaign
- Metro Area
- Urbana, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 8, 1880
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $76.8M
- Allowance for credit losses
- $490K
- Net charge-offs (YTD)
- $0
- Average total assets
- $99.1M
- Average total loans
- $58.0M
- Average interest-bearing deposits
- $67.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 15214
- Fed RSSD
- 538222
- Website
- www.firststparis.com →
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 2024318)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First Central National Bank of Saint Paris's total assets ran between $92.6M (Q3 2024) and $99.6M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$97.0M total assets against $95.6M; $78.2M total liabilities against $76.8M.
$58.5M net loans and leases against $54.0M; $76.8M total deposits against $75.3M.
$19.4M securities against $16.5M; $10.2M cash and balances due against $16.6M.
$1.1M total interest income against $1.1M; $247K total interest expense against $215K.
$851K net interest income against $837K.
$102K total noninterest income against $93K; $723K total noninterest expense against $690K.
$0 provision for credit losses against $0.
$198K net income against $204K.
0.80% return on assets against 0.85%; 3.83% net interest margin against 3.87%.
29.75% CET1 capital ratio against 31.47%; 18.89% tier 1 leverage ratio against 19.66%.
Inside the full The First Central National Bank of Saint Paris terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q4 2024) to 0.96% (Q3 2025) and its net interest margin ran from 3.71% (Q1 2025) to 3.90% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.75% | 0.80% | 0.02% | 0.05% | 3.83% |
| Q1 2026 | 28.62% | 0.70% | 0.02% | 0.06% | 3.71% |
| Q4 2025 | 29.29% | 0.83% | 0.19% | 0.59% | 3.86% |
| Q3 2025 | 29.61% | 0.96% | 0.76% | 2.17% | 3.86% |
| Q2 2025 | 31.47% | 0.85% | 0.03% | 0.08% | 3.87% |
| Q1 2025 | 30.72% | 0.74% | 0.14% | 0.42% | 3.71% |
| Q4 2024 | 30.65% | 0.65% | 0.00% | 0.00% | 3.89% |
| Q3 2024 | 30.85% | 0.93% | 0.00% | 0.00% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First Central National Bank of St. Paris | St. Paris , OH | 43072 | $54.5M |
| Christiansburg Branch | Christiansburg , OH | 45389 | $9.9M |
| Rosewood Branch | Rosewood , OH | 43070 | $8.4M |
| Urbana Branch | Urbana , OH | 43078 | $3.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 154 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First Central National Bank of Saint Paris
What are The First Central National Bank of Saint Paris's total assets?
As of the Q2 2026 filing, The First Central National Bank of Saint Paris reported total assets of $97.0 million in its FFIEC call report.
Where is The First Central National Bank of Saint Paris headquartered?
It is headquartered in Saint Paris, OH, United States.
When was The First Central National Bank of Saint Paris founded?
It was established in 1880, per the FDIC institution directory.
Is The First Central National Bank of Saint Paris FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Central National Bank of Saint Paris?
The First Central National Bank of Saint Paris's primary federal regulator is the OCC.
What is The First Central National Bank of Saint Paris's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First Central National Bank of Saint Paris operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First Central National Bank of Saint Paris's Texas Ratio?
Its Texas Ratio is 0.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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