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First National Bank in New Bremen

$100M-$1B Specialty: Agricultural OH FDIC cert 14836

New Bremen, OH

6 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +6.2% year over year ($418.1M on the books).
  • Delinquency rate 0.17%.
  • Return on assets 1.38%.
  • Efficiency ratio 51.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 34.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

First National Bank in New Bremen has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.06% above tier average
  • + Efficiency Ratio 13.43% below tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 49.9% in tier
  • - Net Interest Margin 1.27% below tier average
Get updates when First National Bank in New Bremen releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $467.1M
+6.6% YoY +2.2% QoQ
+$80.5M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $145.8M
-4.1% YoY -2.3% QoQ
-$112.5M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $418.1M
+6.2% YoY +2.1% QoQ
+$91.4M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 1.38%
-2.4% YoY +3.4% QoQ
+0.06% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 2.72%
+1.8% YoY +2.6% QoQ
-1.27% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 5.2% in tier
Efficiency Ratio ? 51.05%
+1.6% YoY -1.6% QoQ
-13.43% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.17%
-6.0% YoY -1.2% QoQ
-0.75% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 34.88%
-9.8% YoY -4.3% QoQ
-43.07% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Top 2.6% in tier
Non-Interest-Bearing Deposit Share ? 19.70%
+9.7% YoY +11.6% QoQ
-2.33% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.05%
-15.4% YoY -5.5% QoQ
-0.62% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 32.11%
+13.4% YoY +5.4% QoQ
+16.20% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 3.2% in tier
Non-Interest Income / Assets ? 0.14%
+12.3% YoY +91.0% QoQ
-0.43% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
30%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 19.7%
+1.7pp YoY
+2.0pp QoQ
 -2.4pp 22.1% 18.8% 22.2% 44%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 10.2%
-0.9pp YoY
+1.8pp QoQ
 -1.3pp 11.6% 10.2% 12.5% 54%
CRE 28.8%
-2.8pp YoY
-2.0pp QoQ
 -10.8pp 39.5% 34.2% 41.4% 33%
1-4 Family 30.9%
+2.9pp YoY
+1.1pp QoQ
 -1.7pp 32.6% 50.0% 31.3% 53%
Consumer 1.1%
-0.1pp YoY
0.0pp QoQ
 -3.0pp 4.1% 4.7% 5.0% 31%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 32.1%
+3.8pp YoY
+1.6pp QoQ
 +13.3pp 18.8% 22.1% 19.7% 94%
Leverage Ratio 10.8%
+0.3pp YoY
0.0pp QoQ
 -1.3pp 12.2% 12.9% 12.6% 47%
Total Capital Ratio 33.4%
+3.8pp YoY
+1.6pp QoQ
 +13.4pp 19.9% 23.2% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 35
+2 (+6.1%) YoY
+1 (+2.9%) QoQ
 -24 58 2,433 482 35%
Assets per Employee ($) $13.3M
+0.5% YoY
-0.8% QoQ
 +$5.8M $7.5M $7.6M $8.8M 95%
Branch Count 6
0 YoY
0 QoQ
 +1 4 81 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.6% 1.0% 27%
Allowance Coverage 11.28x
+18.0% YoY
+1.0% QoQ
 -12.87x 24.15x 18.95x 20.23x 83%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 13.7%
-1.6pp YoY
+0.4pp QoQ
 +1.5pp 12.2% 9.7% 11.6% 60%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 52%
Net Income ($, YTD) $3.2M
+0.7% YoY
— QoQ
 +$622K $2.6M $259.3M $40.4M 72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#371 of 742 • Bottom 49.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 32.11%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 34.88%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

70
Loan-to-Deposit Ratio
liquidity
Value: 34.88%
Peer Median: 77.95%
#70 of 2643 Top 2.6% in $100M-$1B
86
Tier 1 Capital Ratio
capital
Value: 32.11%
Peer Median: 15.91%
#86 of 2643 Top 3.2% in $100M-$1B
503
Efficiency Ratio
profitability
Value: 51.05%
Peer Median: 64.48%
#503 of 2643 Top 19.0% in $100M-$1B
581
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#581 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (1 metrics)

2507
Net Interest Margin
profitability
Value: 2.72%
Peer Median: 3.99%
#2507 of 2643 Bottom 5.2% in $100M-$1B
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