First National Bank in New Bremen: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 10.75 percentage points in Q2 2026, from 1117.19% to 1127.94%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, First National Bank in New Bremen is 37th of 156 on return on assets, 1.41% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First National Bank in New Bremen sits 0.15 points higher, at 1.41% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 32.11% |
| Tier 1 risk-based capital ratio | 32.11% |
| Total risk-based capital ratio | 33.37% |
| Tier 1 leverage ratio | 10.83% |
| Equity capital to assets | 10.14% |
| Tangible equity to tangible assets | 10.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.49% |
| Allowance for credit losses to loans | 1.87% |
| Reserve coverage of non-performing loans | 1127.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 14.11% |
| Net interest margin | 2.73% |
| Efficiency ratio | 50.20% |
| Yield on earning assets | 4.41% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.54% |
| Core deposits to total deposits | 92.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.53% |
| Securities to assets | 14.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 28.37% | 28.37% | 29.62% | 10.08% | 1.25% |
| Q4 2023 | 28.45% | 28.45% | 29.70% | 9.75% | 1.16% |
| Q1 2024 | 27.75% | 27.75% | 29.01% | 10.10% | 1.15% |
| Q2 2024 | 27.24% | 27.24% | 28.50% | 10.17% | 1.30% |
| Q3 2024 | 28.12% | 28.12% | 29.38% | 10.15% | 1.32% |
| Q4 2024 | 27.58% | 27.58% | 28.84% | 9.78% | 1.22% |
| Q1 2025 | 28.00% | 28.00% | 29.26% | 10.27% | 1.40% |
| Q2 2025 | 28.31% | 28.31% | 29.57% | 10.53% | 1.41% |
| Q3 2025 | 29.24% | 29.24% | 30.50% | 10.88% | 1.28% |
| Q4 2025 | 29.85% | 29.85% | 31.11% | 10.67% | 1.48% |
| Q1 2026 | 30.46% | 30.46% | 31.72% | 10.81% | 1.33% |
| Q2 2026 | 32.11% | 32.11% | 33.37% | 10.83% | 1.41% |
First National Bank in New Bremen vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in New Bremen, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank in New Bremen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14836) · FFIEC NIC profile (RSSD 204826)