First National Bank in New Bremen
Also written as FNB in New Bremen
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in New Bremen is an FDIC-insured commercial bank headquartered in New Bremen, OH, established in 1934 (FDIC certificate 14836), and it is supervised by the OCC. At Q2 2026 it reported total assets of $467.1M, up 6.6% from Q2 2025, the 58th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 32.11% 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
- 14836
- Headquarters
- New Bremen, OH
- Established
- 1934
- Total assets, Q2 2026
- $467.1M
- Assets vs Q2 2025
- +6.6%
- CET1 ratio, Q2 2026
- 32.11%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 042306720
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank in New Bremen Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 58th of 154 in Ohio
First National Bank in New Bremen, based in New Bremen, Ohio, reported $467 million in assets at June 30, 2026, up 6.6% from a year earlier. It keeps 2.73 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds common equity equal to 32.11% of its risk-weighted assets, about double the median of 15.11% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 4.0% and deposits rose 6.2%.
As of June 30, 2026, First National Bank in New Bremen reported a CET1 capital ratio of 32.11%, a return on assets of 1.41%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 0.49%. The figures come from its call report filed with the FFIEC.
First National Bank in New Bremen ranks as the 58th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.2% to $467.1M, loans fell 2.3% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.3% of total loans, followed by farmland and other real estate loans at 20.9%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in OH; its New Bremen office books 44% of its branch deposits. On its Q2 2026 call report, First National Bank in New Bremen meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 435 S Washington St, New Bremen, OH 45869
- County
- Auglaize
- Metro Area
- Wapakoneta, 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 051
- Established
- January 1, 1934
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $418.1M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $469.2M
- Average total loans
- $151.9M
- Average interest-bearing deposits
- $339.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 26, 1934
- FDIC Cert
- 14836
- Fed RSSD
- 204826
- Website
- www.firstnbank.bank →
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
First National Bank in New Bremen's total assets moved between a low of $413.5M (Q3 2023) and a high of $467.1M (Q2 2026) from Q3 2023 to Q2 2026, 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
$467.1M total assets against $438.3M; $419.7M total liabilities against $395.1M.
$145.8M net loans and leases against $152.1M; $418.1M total deposits against $393.7M.
$68.4M securities against $73.5M; $239.1M cash and balances due against $199.4M.
$5.0M total interest income against $5.0M; $1.9M total interest expense against $2.1M.
$3.1M net interest income against $2.9M.
$311K total noninterest income against $287K; $1.7M total noninterest expense against $1.6M.
-$10K provision for credit losses against -$1K.
$1.7M net income against $1.6M.
1.41% return on assets against 1.41%; 2.73% net interest margin against 2.66%.
32.11% CET1 capital ratio against 28.31%; 10.83% tier 1 leverage ratio against 10.53%.
Inside the full First National Bank in New Bremen terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 57 of 2,134, for CET1 ratio; its furthest is 2,958 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.22% (Q4 2024) to 1.48% (Q4 2025) and its net interest margin ran from 2.57% (Q4 2024) to 2.76% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 32.11% | 1.41% | 0.17% | 0.49% | 2.73% |
| Q1 2026 | 30.46% | 1.33% | 0.17% | 0.52% | 2.62% |
| Q4 2025 | 29.85% | 1.48% | 0.18% | 0.56% | 2.75% |
| Q3 2025 | 29.24% | 1.28% | 0.19% | 0.60% | 2.76% |
| Q2 2025 | 28.31% | 1.41% | 0.18% | 0.60% | 2.66% |
| Q1 2025 | 28.00% | 1.40% | 0.19% | 0.64% | 2.61% |
| Q4 2024 | 27.58% | 1.22% | 0.20% | 0.72% | 2.57% |
| Q3 2024 | 28.12% | 1.32% | 0.22% | 0.73% | 2.60% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| First National Bank in New Bremen (main office) | New Bremen , OH | 45869 | $183.3M |
| Wapakoneta Branch | Wapakoneta , OH | 45895 | $75.7M |
| Sidney Branch | Sidney , OH | 45365 | $56.3M |
| Botkins Branch | Botkins , OH | 45306 | $55.8M |
| New Knoxville Banking Center Branch | New Knoxville , OH | 45871 | $47.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 69 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $143K approved, $48K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 First National Bank in New Bremen
What are First National Bank in New Bremen's total assets?
As of the Q2 2026 filing, First National Bank in New Bremen reported total assets of $467.1 million in its FFIEC call report.
Where is First National Bank in New Bremen headquartered?
It is headquartered in New Bremen, OH, United States.
When was First National Bank in New Bremen founded?
It was established in 1934, per the FDIC institution directory.
Is First National Bank in New Bremen FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14836). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank in New Bremen?
First National Bank in New Bremen's primary federal regulator is the OCC.
What is First National Bank in New Bremen's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 32.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank in New Bremen operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank in New Bremen's Texas Ratio?
Its Texas Ratio is 0.49% 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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