The First National Bank of Blanchester: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.06 percentage points higher than in Q1 2026, at 146.91%. The First National Bank of Blanchester ranks 47th of 156 Ohio banks on return on assets, in the upper half at 1.33% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. The First National Bank of Blanchester sits 0.35 points higher, at 1.33% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.08% |
| Tier 1 risk-based capital ratio | 22.08% |
| Total risk-based capital ratio | 22.84% |
| Tier 1 leverage ratio | 10.62% |
| Equity capital to assets | 10.74% |
| Tangible equity to tangible assets | 10.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.19% |
| Texas ratio | 2.25% |
| Allowance for credit losses to loans | 0.58% |
| Reserve coverage of non-performing loans | 146.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 12.55% |
| Net interest margin | 4.19% |
| Efficiency ratio | 62.64% |
| Yield on earning assets | 4.95% |
| Cost of funds | 0.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.84% |
| Core deposits to total deposits | 98.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.67% |
| Securities to assets | 20.37% |
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 | 22.69% | 22.69% | 23.71% | 9.85% | 0.82% |
| Q4 2023 | 22.64% | 22.64% | 23.67% | 9.87% | 0.71% |
| Q1 2024 | 22.63% | 22.63% | 23.62% | 10.27% | 0.42% |
| Q2 2024 | 22.06% | 22.06% | 23.05% | 10.16% | 0.73% |
| Q3 2024 | 22.66% | 22.66% | 23.61% | 10.60% | 0.90% |
| Q4 2024 | 22.71% | 22.71% | 23.62% | 10.50% | 1.01% |
| Q1 2025 | 22.67% | 22.67% | 23.53% | 10.56% | 0.81% |
| Q2 2025 | 22.66% | 22.66% | 23.52% | 10.28% | 1.08% |
| Q3 2025 | 21.22% | 21.22% | 22.04% | 10.08% | 1.25% |
| Q4 2025 | 21.23% | 21.23% | 22.04% | 10.20% | 1.36% |
| Q1 2026 | 22.12% | 22.12% | 22.91% | 10.63% | 1.13% |
| Q2 2026 | 22.08% | 22.08% | 22.84% | 10.62% | 1.33% |
The First National Bank of Blanchester vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Blanchester, 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 The First National Bank of Blanchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6530) · FFIEC NIC profile (RSSD 735414)