The First National Bank of Dennison, Ohio
Also written as FNB of Dennison Ohio
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Dennison, Ohio is an FDIC-insured commercial bank headquartered in Dennison, OH, established in 1933 (FDIC certificate 6574), and it is supervised by the OCC. At Q2 2026 it reported total assets of $267.4M, down 1.5% from Q2 2025, the 85th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6574
- Headquarters
- Dennison, OH
- Established
- 1933
- Total assets, Q2 2026
- $267.4M
- Assets vs Q2 2025
- -1.5%
- Tier 1 leverage ratio, Q2 2026
- 10.25%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 041209420
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Dennison, Ohio call report
- Holding company
- FNB, INC.
- Asset rank in state
- 85th of 154 in Ohio
The First National Bank of Dennison, Ohio spends more to run itself than most banks of its size. The Dennison, Ohio bank had $267 million in assets at June 30, 2026, down 1.5% from a year earlier. It spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 1.03% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 42% of Tier 1 capital, down from 52% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 6.1% and deposits fell 2.6%. Profitability lags: it earns about $0.56 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, The First National Bank of Dennison, Ohio reported a return on assets of 0.56%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.67%. The figures come from its call report filed with the FFIEC.
The First National Bank of Dennison, Ohio ranks as the 85th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.5% to $267.4M, loans rose 4.9% and deposits fell 1.8%. Auto loans made up 42.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 31.4%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in OH; its Dennison office books 54% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Dennison, Ohio meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 Grant St, Dennison, OH 44621
- County
- Tuscarawas
- Metro Area
- New Philadelphia-Dover, 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
- October 16, 1933
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $247.5M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $173K
- Average total assets
- $279.1M
- Average total loans
- $157.1M
- Average interest-bearing deposits
- $208.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6574
- Fed RSSD
- 935719
- Website
- www.fnbdennison.BANK →
- Parent Holding Company
- FNB, INC. (RSSD 1417267)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The First National Bank of Dennison, Ohio reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Dennison, Ohio's total assets ranged from $267.4M (Q2 2026) to $284.5M (Q3 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$267.4M total assets against $271.5M; $248.2M total liabilities against $254.8M.
$161.0M net loans and leases against $151.4M; $247.5M total deposits against $254.1M.
$87.0M securities against $76.1M; $5.4M cash and balances due against $30.4M.
$3.8M total interest income against $3.8M; $662K total interest expense against $764K.
$3.2M net interest income against $3.1M.
$241K total noninterest income against $301K; $3.0M total noninterest expense against $2.8M.
$25K provision for credit losses against $5K.
$393K net income against $515K.
0.56% return on assets against 0.73%; 4.85% net interest margin against 4.66%.
10.25% tier 1 leverage ratio against 10.07%.
Inside the full The First National Bank of Dennison, Ohio terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Dennison, Ohio rankings
Its closest position to the top of a national ranking is 2,614 of 4,196, for total assets; its furthest is 3,373 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.49% (Q4 2024) to 0.75% (Q1 2025) and its net interest margin ran from 4.28% (Q4 2024) to 4.85% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.25% | 0.56% | 0.22% | 1.67% | 4.85% |
| Q1 2026 | 10.41% | 0.63% | 0.11% | 0.81% | 4.70% |
| Q4 2025 | 10.03% | 0.54% | 0.22% | 1.58% | 4.64% |
| Q3 2025 | 10.08% | 0.63% | 0.29% | 2.16% | 4.60% |
| Q2 2025 | 10.07% | 0.73% | 0.39% | 3.19% | 4.66% |
| Q1 2025 | 10.19% | 0.75% | 0.28% | 2.30% | 4.54% |
| Q4 2024 | 9.92% | -1.49% | 0.33% | 2.83% | 4.28% |
| Q3 2024 | 10.29% | 0.70% | 0.31% | 2.42% | 4.78% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Dennison | Dennison , OH | 44621 | $133.4M |
| Boulevard Branch | Dover , OH | 44622 | $57.7M |
| Gnadenhutten Branch | Gnadenhutten , OH | 44629 | $31.1M |
| Southside Branch | New Philadelphia , OH | 44663 | $18.8M |
| Schoenbrunn Branch | New Philadelphia , OH | 44663 | $6.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 17, 2024, OCC: Formal Agreement: The First National Bank of Dennison
- Period: Most recent institution action September 17, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 90 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $56K approved, $56K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Dennison, Ohio
What are The First National Bank of Dennison, Ohio's total assets?
As of the Q2 2026 filing, The First National Bank of Dennison, Ohio reported total assets of $267.4 million in its FFIEC call report.
Where is The First National Bank of Dennison, Ohio headquartered?
It is headquartered in Dennison, OH, United States.
When was The First National Bank of Dennison, Ohio founded?
It was established in 1933, per the FDIC institution directory.
Is The First National Bank of Dennison, Ohio FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6574). 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 Dennison, Ohio?
The First National Bank of Dennison, Ohio's primary federal regulator is the OCC.
How many branches does The First National Bank of Dennison, Ohio operate?
It operates 5 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 Dennison, Ohio's Texas Ratio?
Its Texas Ratio is 1.67% 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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