The First National Bank of McConnelsville: 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: 40.34 percentage points lower than in Q1 2026, at 179.77%. Within Ohio, The First National Bank of McConnelsville is 54th of 156 on return on assets, 1.29% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; The First National Bank of McConnelsville reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.99% |
| Tier 1 risk-based capital ratio | 19.99% |
| Total risk-based capital ratio | 21.24% |
| Tier 1 leverage ratio | 8.61% |
| Equity capital to assets | 11.03% |
| Tangible equity to tangible assets | 8.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.67% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 179.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 11.96% |
| Net interest margin | 4.26% |
| Efficiency ratio | 63.23% |
| Yield on earning assets | 5.14% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.07% |
| Core deposits to total deposits | 97.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.34% |
| Securities to assets | 27.43% |
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 | 15.70% | 15.70% | 16.95% | 7.48% | 0.80% |
| Q4 2023 | 15.71% | 15.71% | 16.96% | 7.56% | 0.96% |
| Q1 2024 | 16.29% | 16.29% | 17.54% | 7.60% | 0.77% |
| Q2 2024 | 16.15% | 16.15% | 17.40% | 7.58% | 0.96% |
| Q3 2024 | 17.11% | 17.11% | 18.37% | 7.92% | 0.90% |
| Q4 2024 | 17.18% | 17.18% | 18.43% | 7.89% | 0.95% |
| Q1 2025 | 18.30% | 18.30% | 19.55% | 7.98% | 0.86% |
| Q2 2025 | 18.41% | 18.41% | 19.66% | 7.89% | 1.02% |
| Q3 2025 | 18.81% | 18.81% | 20.06% | 8.14% | 0.97% |
| Q4 2025 | 19.41% | 19.41% | 20.66% | 8.17% | 1.18% |
| Q1 2026 | 20.10% | 20.10% | 21.35% | 8.52% | 1.11% |
| Q2 2026 | 19.99% | 19.99% | 21.24% | 8.61% | 1.29% |
The First National Bank of McConnelsville 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 McConnelsville, 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 McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6637) · FFIEC NIC profile (RSSD 44929)