The First National Bank of McConnelsville
Also written as FNB of McConnelsville
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of McConnelsville is an FDIC-insured commercial bank headquartered in McConnelsville, OH, supervised by the OCC, with $200.2M in total assets at Q2 2026, down 0.5% from Q2 2025, the 96th largest of 154 banks headquartered in Ohio. It was established in 1863 and holds FDIC certificate 6637. Its CET1 capital ratio was 19.99% 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
- 6637
- Headquarters
- McConnelsville, OH
- Established
- 1863
- Total assets, Q2 2026
- $200.2M
- Assets vs Q2 2025
- -0.5%
- CET1 ratio, Q2 2026
- 19.99%
- Domestic offices
- 6 · The First National Bank of McConnelsville branches FDIC institution directory, current count
- Routing number
- 044106384
- Safety and soundness
- Is The First National Bank of McConnelsville safe?
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of McConnelsville Q3 2026 call report, filed October 16, 2026 (preliminary)
- Holding company
- FNB SHARES, INC.
- Asset rank in state
- 96th of 154 in Ohio
The First National Bank of McConnelsville, based in Mcconnelsville, Ohio, reported $200 million in assets at June 30, 2026. It pays an average of 0.96% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.61% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Net income for the quarter rose 28% from a year earlier, to $660,000. Over the same year, loans grew 4.5% and deposits shrank 1.5%.
As of June 30, 2026, The First National Bank of McConnelsville reported a CET1 capital ratio of 19.99%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 5.67%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The First National Bank of McConnelsville is the 96th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.5% to $200.2M, loans rose 2.9% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 69.6% of total loans, followed by owner-occupied commercial real estate loans at 5.3%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in OH; its Mcconnelsville office books 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First National Bank of McConnelsville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 86 N Kennebec Ave, McConnelsville, OH 43756
- County
- Morgan
- 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 041
- Established
- July 1, 1863
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $176.9M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $205.0M
- Average total loans
- $112.6M
- Average interest-bearing deposits
- $125.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6637
- Fed RSSD
- 44929
- Website
- www.first-national.com →
- Parent Holding Company
- FNB SHARES, INC. (RSSD 1137891)
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 McConnelsville's total assets ran between $186.0M (Q3 2023) and $203.2M (Q1 2026), 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
$200.2M total assets against $201.2M; $178.1M total liabilities against $180.8M.
$112.1M net loans and leases against $107.2M; $176.9M total deposits against $179.6M.
$54.9M securities against $50.4M; $19.7M cash and balances due against $30.3M.
$2.4M total interest income against $2.2M; $417K total interest expense against $430K.
$2.0M net interest income against $1.8M.
$277K total noninterest income against $268K; $1.4M total noninterest expense against $1.4M.
$15K provision for credit losses against $35K.
$660K net income against $516K.
1.29% return on assets against 1.02%; 4.26% net interest margin against 3.80%.
19.99% CET1 capital ratio against 18.41%; 8.61% tier 1 leverage ratio against 7.89%.
Inside the full The First National Bank of McConnelsville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of McConnelsville rankings
Its closest position to the top of a national ranking is 337 of 2,134, for CET1 ratio; its furthest is 2,962 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q1 2025) to 1.29% (Q2 2026) and its net interest margin ran from 3.60% (Q1 2025) to 4.26% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.99% | 1.29% | 0.86% | 5.67% | 4.26% |
| Q1 2026 | 20.10% | 1.11% | 0.64% | 4.09% | 4.03% |
| Q4 2025 | 19.41% | 1.18% | 0.71% | 4.62% | 3.98% |
| Q3 2025 | 18.81% | 0.97% | 0.80% | 5.33% | 3.80% |
| Q2 2025 | 18.41% | 1.02% | 0.85% | 5.93% | 3.80% |
| Q1 2025 | 18.30% | 0.86% | 0.35% | 2.48% | 3.60% |
| Q4 2024 | 17.18% | 0.95% | 0.43% | 3.33% | 3.71% |
| Q3 2024 | 17.11% | 0.90% | 0.42% | 3.23% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Mcconnelsville | Mcconnelsville , OH | 43756 | $74.5M |
| Glouster Branch | Glouster , OH | 45732 | $25.4M |
| Stockport Branch | Stockport , OH | 43787 | $24.9M |
| The Junction City Branch | Junction City , OH | 43748 | $17.7M |
| 11 Public Square Branch | Nelsonville , OH | 45764 | $17.4M |
| Athens Branch | Athens , OH | 45701 | $17.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2008 | Structure Change | Acquired The First National Bank of Nelsonville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 31, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 31, 2000 | Structure Change | Acquired The Junction City Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1967 | Structure Change | Acquired First National Bank of Stockport Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 3, 2012, OCC: Civil Money Penalty (CMP): The First National Bank of McConnelsville
- Period: Most recent institution action January 3, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 111 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 56 loans originated, $12.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $144K approved, $144K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 McConnelsville
What are The First National Bank of McConnelsville's total assets?
As of the Q2 2026 filing, The First National Bank of McConnelsville reported total assets of $200.2 million in its FFIEC call report.
Where is The First National Bank of McConnelsville headquartered?
It is headquartered in McConnelsville, OH, United States.
When was The First National Bank of McConnelsville founded?
It was established in 1863, per the FDIC institution directory.
Is The First National Bank of McConnelsville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6637). 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 McConnelsville?
The First National Bank of McConnelsville's primary federal regulator is the OCC.
What is The First National Bank of McConnelsville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.99% 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 McConnelsville operate?
It operates 6 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 McConnelsville's Texas Ratio?
Its Texas Ratio is 5.67% 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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