Bank Safety Analysis
Is The First National Bank of Bellevue Safe? Bellevue, Ohio
Based on its Q3 2026 call report, The First National Bank of Bellevue meets the community bank leverage ratio test for well capitalized, its Texas ratio is 10.25%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The First National Bank of Bellevue safe?
On its Q3 2026 call report, The First National Bank of Bellevue's Community Bank Leverage Ratio is 9.42%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 9.42%
- Texas ratio (Q3 2026): 10.25%
- Noncurrent loans ratio (Q3 2026): 1.74%
The First National Bank of Bellevue is an FDIC-insured commercial bank (FDIC Certificate #6528). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The First National Bank of Bellevue (FDIC Certificate #6528) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The First National Bank of Bellevue meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
Compared with Q2 2026, net interest margin rose 0.13 percentage points in Q3 2026 to 4.46%, the biggest move on this page. The First National Bank of Bellevue ranks 121st of 154 Ohio banks on leverage ratio, in the lower half at 9.42% (Q3 2026). The median for banks in the $100M-1B asset tier is 11.09% on leverage ratio. The First National Bank of Bellevue sits 1.66 points lower, at 9.42% (Q3 2026).
From Q4 2023 to Q3 2026, The First National Bank of Bellevue's Texas ratio ranged between 0.83% (Q3 2024) and 10.25% (Q3 2026). Between Q3 2025 and Q3 2026, The First National Bank of Bellevue's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.64% to 1.74%, Texas ratio rose from 9.66% to 10.25% and return on assets rose from -8.87% to 0.84%.
By total assets at Q3 2026, The First National Bank of Bellevue is the 72nd largest of the 154 banks headquartered in Ohio. Owner-occupied commercial real estate loans are its largest loan category, $57.1M of $171.8M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, The First National Bank of Bellevue's community bank leverage ratio of 9.42% is below the 11.09% median, nonperforming loans ratio of 1.74% is above the 0.43% median, Texas ratio of 10.25% is above the 2.96% median, and efficiency ratio of 73.46% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The First National Bank of Bellevue's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The First National Bank of Bellevue score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does The First National Bank of Bellevue trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 10.25% | Within range |
| Non-performing loan ratio BankRegReports band | 1.74% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 59.37% | Within range |
| Commercial real estate to capital supervisory threshold | 112.41% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 10.25% |
| Q2 2026 | 9.48% |
| Q1 2026 | 9.37% |
| Q4 2025 | 9.77% |
| Q3 2025 | 9.66% |
| Q2 2025 | 0.89% |
| Q1 2025 | 0.92% |
| Q4 2024 | 1.18% |
| Q3 2024 | 0.83% |
| Q2 2024 | 1.41% |
| Q1 2024 | 1.50% |
| Q4 2023 | 1.29% |
Loans by type, Q3 2026
- Owner-occupied commercial real estate loans: $57.1M
- 1-4 family residential loans: $50.6M
- Non-owner-occupied commercial real estate loans: $26.4M
- Commercial and industrial loans: $15.7M
- Multifamily loans: $9.1M
- Agricultural production loans: $2.2M
- Auto loans: $1.6M
- Construction and land development loans: $1.3M
How have The First National Bank of Bellevue's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $319.4M | 9.42% | 1.74% | 10.25% | 73.46% |
| Jun 30, 2026 | $309.7M | 9.39% | 1.77% | 9.48% | 75.49% |
| Mar 31, 2026 | $316.6M | 9.43% | 1.73% | 9.37% | 74.79% |
| Dec 31, 2025 | $309.3M | 9.04% | 1.78% | 9.77% | 70.46% |
| Sep 30, 2025 | $328.5M | 9.03% | 1.64% | 9.66% | 78.23% |
| Jun 30, 2025 | $308.9M | 11.57% | 0.14% | 0.89% | 81.76% |
| Mar 31, 2025 | $319.3M | 12.05% | 0.15% | 0.92% | 84.85% |
| Dec 31, 2024 | $293.6M | 11.99% | 0.18% | 1.18% | 81.62% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The First National Bank of Bellevue FDIC insured?
Yes. The First National Bank of Bellevue is an FDIC-insured commercial bank (FDIC Certificate #6528). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The First National Bank of Bellevue well capitalized?
On its Q3 2026 call report, The First National Bank of Bellevue's Community Bank Leverage Ratio is 9.42%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The First National Bank of Bellevue's key safety ratios?
For Q3 2026, The First National Bank of Bellevue reports leverage 9.42%, Texas ratio 10.25%, noncurrent loans 1.74%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if The First National Bank of Bellevue fails?
For Q3 2026, The First National Bank of Bellevue reported $289.4M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The First National Bank of Bellevue profile.
How we score this
The First National Bank of Bellevue elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
The First National Bank of Bellevue fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 6528) · FFIEC NIC profile (RSSD 243414)
Explore: Full The First National Bank of Bellevue profile · Other banks in OH · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.