The First National Bank of Bellevue
The First National Bank of Bellevue is an FDIC-insured commercial bank headquartered in Bellevue, OH, supervised by the OCC, with $319.4M in total assets at Q3 2026, down 2.8% from Q3 2025, the 72nd largest of 154 banks headquartered in Ohio. It was established in 1875 and holds FDIC certificate 6528. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.42% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as FNB of Bellevue
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6528
- Headquarters
- Bellevue, OH
- Established
- 1875
- Total assets, Q3 2026
- $319.4M
- Assets vs Q3 2025
- -2.8%
- Tier 1 leverage ratio, Q3 2026
- 9.42%
- Domestic offices
- 9 branches
- Routing number
- 041204726
- Safety and soundness
- Is The First National Bank of Bellevue safe?
- Latest call report
- Q3 2026, FFIEC 051 · The First National Bank of Bellevue call report
- Holding company
- FIRST BANCSHARES INC.
- Asset rank in state
- 72nd of 154 in Ohio
The First National Bank of Bellevue, based in Bellevue, Ohio, reported $319 million in assets at September 30, 2026, down 2.8% from a year earlier. It shrank its loan book 3.6% over the year, lower than about 9 in 10 of the 2,624 banks with $100 million to $1 billion in assets (median 5.8%). It also funds 9.42% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 11.13%).
Unrealized losses on its securities total $4.6 million, equal to 15% of Tier 1 capital, against 4% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, 3.5 times the median of 3.0% for banks its size.
As of September 30, 2026, The First National Bank of Bellevue reported a return on assets of 0.84%, a nonperforming-loan ratio of 1.74% and a Texas ratio of 10.25%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The First National Bank of Bellevue is the 72nd largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 3.1% to $319.4M, loans rose 0.3% and deposits rose 4.6%. Its loan book on September 30, 2026 was led by owner-occupied commercial real estate loans, at 33.3% of total loans, followed by 1-4 family residential loans at 29.4%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in OH; its Bellevue office books 40% of its branch deposits. Judged on its Q3 2026 call report, The First National Bank of Bellevue meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 120 North St, Bellevue, OH 44811
- County
- Huron
- Metro Area
- Fremont, 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
- September 15, 1875
- Domestic offices
- 9 branches
- Employees (FTE)
- 60
- Domestic deposits
- $289.4M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $86K
- Average total assets
- $318.3M
- Average total loans
- $171.4M
- Average interest-bearing deposits
- $227.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6528
- Fed RSSD
- 243414
- SEC CIK
- 1124876 → filed by FIRST BANCSHARES INC.
- Website
- www.fnblifetime.com →
- Parent Holding Company
- FIRST BANCSHARES INC. (RSSD 1071258)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch The First National Bank of Bellevue: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, The First National Bank of Bellevue reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, The First National Bank of Bellevue's total assets ranged from $293.6M (Q4 2024) to $328.5M (Q3 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$319.4M total assets against $328.5M; $293.0M total liabilities against $300.5M.
$169.1M net loans and leases against $175.9M; $289.4M total deposits against $298.4M.
$95.3M securities against $91.4M; $36.1M cash and balances due against $44.9M.
$4.1M total interest income against $4.0M; $1.2M total interest expense against $1.3M.
$3.0M net interest income against $2.6M.
$239K total noninterest income against $226K; $2.5M total noninterest expense against $2.3M.
$0 provision for credit losses against $0.
$666K net income against -$7.1M.
0.84% return on assets against -8.87%; 4.46% net interest margin against 3.56%.
9.42% tier 1 leverage ratio against 9.03%.
Inside the full The First National Bank of Bellevue terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Bellevue rankings
Its closest position to the top of a national ranking is 660 of 3,644, for Texas Ratio; its furthest is 3,020 of 3,624, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from -8.87% (Q3 2025) to 0.84% (Q3 2026) and its net interest margin ran from 3.56% (Q3 2025) to 4.46% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 9.42% | 0.84% | 1.74% | 10.25% | 4.46% |
| Q2 2026 | 9.39% | 0.84% | 1.77% | 9.48% | 4.33% |
| Q1 2026 | 9.43% | 0.57% | 1.73% | 9.37% | 4.24% |
| Q4 2025 | 9.04% | 0.72% | 1.78% | 9.77% | 4.03% |
| Q3 2025 | 9.03% | -8.87% | 1.64% | 9.66% | 3.56% |
| Q2 2025 | 11.57% | 0.54% | 0.14% | 0.89% | 3.59% |
| Q1 2025 | 12.05% | 0.41% | 0.15% | 0.92% | 3.57% |
| Q4 2024 | 11.99% | 0.51% | 0.18% | 1.18% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 National Bank of Bellevue | Bellevue , OH | 44811 | $112.1M |
| Catawba Branch | Port Clinton , OH | 43452 | $41.2M |
| Put-In-Bay Branch | Put-In-Bay , OH | 43456 | $30.8M |
| Clyde Branch | Clyde , OH | 43410 | $22.2M |
| Port Clinton Branch | Port Clinton , OH | 43452 | $22.0M |
| Sandusky Branch | Sandusky , OH | 44870 | $19.3M |
| Perkins Branch | Sandusky , OH | 44870 | $16.2M |
| Fremont Branch | Fremont , OH | 43420 | $6.6M |
| Norwalk Office Branch | Norwalk , OH | 44857 | $6.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- October 26, 2006, OCC: Formal Agreement: The First National Bank of Bellevue
- Period: Most recent institution action October 26, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 83 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 38 applications, 24 loans originated, $4.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $938K approved, $313K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank of Bellevue
What are The First National Bank of Bellevue's total assets?
As of the Q3 2026 filing, The First National Bank of Bellevue reported total assets of $319.4 million in its FFIEC call report.
Where is The First National Bank of Bellevue headquartered?
It is headquartered in Bellevue, OH, United States.
When was The First National Bank of Bellevue founded?
It was established in 1875, per the FDIC institution directory.
Is The First National Bank of Bellevue FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6528). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Bellevue?
The First National Bank of Bellevue's primary federal regulator is the OCC.
How many branches does The First National Bank of Bellevue operate?
It operates 9 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 National Bank of Bellevue's Texas Ratio?
Its Texas Ratio is 10.25% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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