The First National Bank of Sycamore
Also written as FNB of Sycamore
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Sycamore is an FDIC-insured commercial bank headquartered in Sycamore, OH, established in 1919 (FDIC certificate 6706), and it is supervised by the OCC. At Q2 2026 it reported total assets of $239.4M, up 2.5% from Q2 2025, the 93rd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 15.54% 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
- 6706
- Headquarters
- Sycamore, OH
- Established
- 1919
- Total assets, Q2 2026
- $239.4M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 15.54%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 041212899
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Sycamore Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- FNB BANCSHARES, INC.
- Asset rank in state
- 93rd of 154 in Ohio
The First National Bank of Sycamore, based in Sycamore, Ohio, reported $239 million in assets at June 30, 2026, up 2.5% from a year earlier. It grew its loan book 13.3% over the year, 2.4 times the median of 5.5% for the 2,627 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Net income for the quarter rose 25% from a year earlier, to $756,000. Over the same year, loans grew 13.3% and deposits grew 0.4%.
As of June 30, 2026, The First National Bank of Sycamore reported a CET1 capital ratio of 15.54%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.43%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Sycamore is the 93rd largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 3.5% and deposits fell 0.4%. 1-4 family residential loans made up 41.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 14.7%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in OH; its Sycamore office books 58% of its branch deposits. On its Q2 2026 call report, The First National Bank of Sycamore meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 141 S Sycamore Ave, Sycamore, OH 44882
- County
- Wyandot
- 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, 1919
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $207.4M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $245.0M
- Average total loans
- $149.5M
- Average interest-bearing deposits
- $177.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6706
- Fed RSSD
- 553926
- Website
- www.sycamore.bank →
- Parent Holding Company
- FNB BANCSHARES, INC. (RSSD 4226693)
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
From Q3 2023 to Q2 2026, The First National Bank of Sycamore's total assets ranged from $204.3M (Q3 2023) to $239.4M (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
$239.4M total assets against $233.6M; $218.2M total liabilities against $217.4M.
$151.5M net loans and leases against $133.7M; $207.4M total deposits against $206.6M.
$64.7M securities against $77.7M; $11.9M cash and balances due against $10.4M.
$3.0M total interest income against $2.8M; $893K total interest expense against $926K.
$2.1M net interest income against $1.9M.
$137K total noninterest income against $133K; $1.3M total noninterest expense against $1.2M.
$36K provision for credit losses against $20K.
$756K net income against $607K.
1.23% return on assets against 1.00%; 3.64% net interest margin against 3.29%.
15.54% CET1 capital ratio against 15.29%; 9.96% tier 1 leverage ratio against 9.10%.
Inside the full The First National Bank of Sycamore terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Sycamore rankings
Its closest position to the top of a national ranking is 772 of 2,134, for CET1 ratio; its furthest is 3,004 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q4 2024) to 1.23% (Q2 2026) and its net interest margin ran from 3.19% (Q1 2025) to 3.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.54% | 1.23% | 0.06% | 0.43% | 3.64% |
| Q1 2026 | 15.35% | 1.15% | 0.05% | 0.37% | 3.60% |
| Q4 2025 | 15.20% | 1.06% | 0.03% | 0.26% | 3.54% |
| Q3 2025 | 15.35% | 1.07% | 0.06% | 0.42% | 3.35% |
| Q2 2025 | 15.29% | 1.00% | 0.00% | 0.00% | 3.29% |
| Q1 2025 | 15.42% | 0.88% | 0.00% | 0.00% | 3.19% |
| Q4 2024 | 15.41% | 0.86% | 0.00% | 0.00% | 3.29% |
| Q3 2024 | 15.41% | 0.87% | 0.04% | 0.28% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 Sycamore | Sycamore , OH | 44882 | $121.2M |
| New Riegel Branch | New Riegel , OH | 44853 | $55.7M |
| Tiffin Branch | Tiffin , OH | 44883 | $17.6M |
| Mccutchenville Branch | Mccutchenville , OH | 44844 | $12.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 105 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Sycamore
What are The First National Bank of Sycamore's total assets?
As of the Q2 2026 filing, The First National Bank of Sycamore reported total assets of $239.4 million in its FFIEC call report.
Where is The First National Bank of Sycamore headquartered?
It is headquartered in Sycamore, OH, United States.
When was The First National Bank of Sycamore founded?
It was established in 1919, per the FDIC institution directory.
Is The First National Bank of Sycamore FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6706). 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 Sycamore?
The First National Bank of Sycamore's primary federal regulator is the OCC.
What is The First National Bank of Sycamore's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.54% 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 Sycamore operate?
It operates 4 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 Sycamore's Texas Ratio?
Its Texas Ratio is 0.43% 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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