The First National Bank of Blanchester
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Blanchester is an FDIC-insured commercial bank headquartered in Blanchester, OH, established in 1907 (FDIC certificate 6530), and it is supervised by the OCC. At Q2 2026 it reported total assets of $77.7M, down 0.5% from Q2 2025, the 139th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 22.08% 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
- 6530
- Headquarters
- Blanchester, OH
- Established
- 1907
- Total assets, Q2 2026
- $77.7M
- Assets vs Q2 2025
- -0.5%
- CET1 ratio, Q2 2026
- 22.08%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 042206422
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Blanchester Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FIRST BLANCHESTER BANCSHARES, INC.
- Asset rank in state
- 139th of 154 in Ohio
The First National Bank of Blanchester, based in Blanchester, Ohio, reported $78 million in assets at June 30, 2026. It pays an average of 0.81% on its deposits and borrowings, about half the median of 1.53% for the 533 banks with less than $100 million in assets. On the other hand, it funds 10.62% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 12.81%).
Net income for the quarter rose 22% from a year earlier, to $261,000. Over the same year, loans grew 6.2% and deposits shrank 0.9%.
As of June 30, 2026, The First National Bank of Blanchester reported a CET1 capital ratio of 22.08%, a return on assets of 1.33%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.87%. The figures come from its call report filed with the FFIEC.
The First National Bank of Blanchester ranks as the 139th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $77.7M, loans rose 0.2% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 77.9% of total loans, followed by owner-occupied commercial real estate loans at 5.2%. Its one office in the FDIC Summary of Deposits is in Blanchester, OH. On its Q2 2026 call report, The First National Bank of Blanchester meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 121 E Main St, Blanchester, OH 45107
- County
- Clinton
- Metro Area
- Wilmington, 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
- March 8, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $68.9M
- Allowance for credit losses
- $285K
- Net charge-offs (YTD)
- $32K
- Average total assets
- $78.5M
- Average total loans
- $49.4M
- Average interest-bearing deposits
- $65.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6530
- Fed RSSD
- 735414
- Website
- www.fnbblanchester.com →
- Parent Holding Company
- FIRST BLANCHESTER BANCSHARES, INC. (RSSD 1859193)
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 National Bank of Blanchester's total assets ran between $75.9M (Q4 2024) and $81.3M (Q3 2025), 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
$77.7M total assets against $78.0M; $69.3M total liabilities against $69.9M.
$49.2M net loans and leases against $46.3M; $68.9M total deposits against $69.5M.
$15.8M securities against $20.1M; $8.7M cash and balances due against $7.7M.
$913K total interest income against $851K; $141K total interest expense against $147K.
$772K net interest income against $704K.
$114K total noninterest income against $109K; $556K total noninterest expense against $547K.
$7K provision for credit losses against $0.
$261K net income against $214K.
1.33% return on assets against 1.08%; 4.19% net interest margin against 3.78%.
22.08% CET1 capital ratio against 22.66%; 10.62% tier 1 leverage ratio against 10.28%.
Inside the full The First National Bank of Blanchester terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.81% (Q1 2025) to 1.36% (Q4 2025) and its net interest margin ran from 3.37% (Q3 2024) to 4.19% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.08% | 1.33% | 0.15% | 0.87% | 4.19% |
| Q1 2026 | 22.12% | 1.13% | 0.19% | 1.09% | 4.10% |
| Q4 2025 | 21.23% | 1.36% | 0.04% | 0.25% | 4.14% |
| Q3 2025 | 21.22% | 1.25% | 0.03% | 0.19% | 3.99% |
| Q2 2025 | 22.66% | 1.08% | 0.03% | 0.19% | 3.78% |
| Q1 2025 | 22.67% | 0.81% | 0.28% | 1.55% | 3.58% |
| Q4 2024 | 22.71% | 1.01% | 0.09% | 0.51% | 3.57% |
| Q3 2024 | 22.66% | 0.90% | 0.11% | 0.60% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Blanchester | Blanchester , OH | 45107 | $68.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 158 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 National Bank of Blanchester
What are The First National Bank of Blanchester's total assets?
As of the Q2 2026 filing, The First National Bank of Blanchester reported total assets of $77.7 million in its FFIEC call report.
Where is The First National Bank of Blanchester headquartered?
It is headquartered in Blanchester, OH, United States.
When was The First National Bank of Blanchester founded?
It was established in 1907, per the FDIC institution directory.
Is The First National Bank of Blanchester FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6530). 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 Blanchester?
The First National Bank of Blanchester's primary federal regulator is the OCC.
What is The First National Bank of Blanchester's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.08% 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 National Bank of Blanchester operate?
It operates 1 domestic office, 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 Blanchester's Texas Ratio?
Its Texas Ratio is 0.87% 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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