The First National Bank of Dennison, Ohio: 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: 1169.20 percentage points higher than in Q1 2026, at 2595.71%. The First National Bank of Dennison, Ohio ranks 122nd of 156 Ohio banks on return on assets, in the lower half at 0.56% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The First National Bank of Dennison, Ohio reported 0.56% on return on assets in Q2 2026, 0.69 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 7.18% |
| Tangible equity to tangible assets | 7.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.23% |
| Texas ratio | 1.67% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 2595.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.56% |
| Return on equity | 8.30% |
| Net interest margin | 4.85% |
| Efficiency ratio | 85.08% |
| Yield on earning assets | 5.84% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.76% |
| Core deposits to total deposits | 96.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.58% |
| Securities to assets | 32.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.05% | 1.03% | 4.49% | 0.05% | 0.17% |
| Q4 2023 | 9.76% | 0.48% | 4.62% | 0.05% | 0.12% |
| Q1 2024 | 10.15% | 0.93% | 4.74% | 0.05% | 0.21% |
| Q2 2024 | 10.10% | 0.67% | 4.80% | 0.05% | 0.15% |
| Q3 2024 | 10.29% | 0.70% | 4.78% | 0.26% | 0.30% |
| Q4 2024 | 9.92% | -1.49% | 4.28% | 0.19% | 0.02% |
| Q1 2025 | 10.19% | 0.75% | 4.54% | 0.25% | -0.14% |
| Q2 2025 | 10.07% | 0.73% | 4.66% | 0.25% | 0.02% |
| Q3 2025 | 10.08% | 0.63% | 4.60% | 0.21% | -0.05% |
| Q4 2025 | 10.03% | 0.54% | 4.64% | 0.16% | 0.49% |
| Q1 2026 | 10.41% | 0.63% | 4.70% | 0.09% | 0.22% |
| Q2 2026 | 10.25% | 0.56% | 4.85% | 0.04% | 0.23% |
The First National Bank of Dennison, Ohio 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 Dennison, Ohio, 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 Dennison, Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6574) · FFIEC NIC profile (RSSD 935719)