What is 1st National Bank's financial health grade?

1st National Bank has a TFS Financial Health Grade of D (score: 64.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does 1st National Bank have?

1st National Bank has 8 branch locations across the United States.

Is 1st National Bank FDIC insured?

Yes, 1st National Bank is FDIC insured (Certificate #6646).

What are the total assets of 1st National Bank?

1st National Bank has total assets of $265.4M as reported in its most recent FDIC filing.

1st National Bank

BankLebanon, Ohio

WWW.BANKWITH1ST.COM

Total Assets

$265.4M

Total Deposits

$232.6M

Branches

Established

1907

TFS Health Grade

64.6 / 100

Below average financial health

How we grade

1st National Bank is a bank headquartered in Lebanon, Ohio, established in 1907. With $265.4M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D (64.6/100).

Capital & Safety

Tier 1 Capital Ratio

9.11%(8%)

Total Capital Ratio

15.05%(10%)

Non-Performing Loan Ratio

0.61%

Profitability

Return on Assets (ROA)

0.65%(1%)

Return on Equity (ROE)

8.18%(10%)

Net Interest Margin

2.97%

Efficiency Ratio

84.87%(60%)

Lending & Liquidity

Total Loans

$184.8M

Loan-to-Deposit Ratio

78.53%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

-5.79%

Deposit Growth (YoY)

-7.21%

Net Income

$1.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
1st National BankHQ	1000 E Main St	Lebanon	OH	11
1st National Bank	1095 S Main St	Centerville	OH	11
1st National Bank	9015 Fields Ertel Rd	Cincinnati	OH	11
1st National Bank	1530 Walmart Dr	Lebanon	OH	12
1st National Bank	6876 Cincinnati Dayton Rd	Liberty Township	OH	11
1st National Bank	11 E Us 22 And 3	Maineville	OH	11
1st National Bank	7451 S Mason Montgomery Rd	Mason	OH	11
1st National Bank	541 W Pike St	Morrow	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.